Job Summary

The role is accountable for the end to end management, growth and sustainability of a portfolio of Mining, Metals and Minerals corporate clients by building deep, long term relationships underpinned by a thorough understanding of clients’ businesses and strategic objectives. The Coverage Banker is responsible for delivering a differentiated client experience through proactive, high quality relationship management, with a strong focus on responsiveness, consistent service delivery, and timely execution of credit and non credit solutions.

The role drives revenue growth through disciplined business development across existing and new Mining, Metals and Minerals clients, as well as selected non-mining corporate clients geographically located in the Copperbelt and North Western Provinces. This includes identifying client needs, originating opportunities, and cross selling the full suite of Absa’s Corporate and Investment Banking products and solutions in collaboration with internal product partners.

Job Description

Sales and Service – (75%)

Outputs:

• Allocate at least 75% of available time to proactive engagement with existing and prospective customers through face‑to‑face and telephonic interactions to drive growth and deepen relationships.
• Develop and execute relationship and account plans for priority clients, including sales strategies, contact plans, and hunting lists for new‑to‑bank opportunities.
• Originate and grow profitable business by identifying client needs and delivering integrated solutions across assets, liabilities and income, in collaboration with specialist product teams (Trade Finance, Debt, Cash Management and Treasury).
• Build and maintain a robust pipeline of external leads through structured networking and participation in relevant industry events, conferences, and forums.
• Manage client pricing and negotiations in line with profitability, risk appetite and value‑based management principles.
• Ensure a consistently high client experience by resolving customer issues timeously, adhering to service and risk standards, and maintaining accurate and up‑to‑date client and pipeline information on Salesforce and related systems.
• Actively manage borrowing client relationships, including timely engagement to obtain documentation for annual and interim credit reviews.

Business Management – (15%)

Outputs:

• Manage and control the assigned portfolio within approved credit limits, risk appetite, and value‑based management objectives.
• Maintain strong operational discipline through adherence to RMCD guidelines, KYC, STM, Basel II requirements, and other Absa policies to ensure data integrity, correct pricing, and prevention of income leakage.
• Partner with Corporate Credit Managers and Credit teams on new and existing credit applications, portfolio monitoring, and remediation of deteriorating credit exposures, including preparation of classifications and special memoranda.
• Monitor portfolio performance and client contribution, maintain a target list of priority and new‑to‑bank clients, and participate in pipeline calls and monthly business reviews to remain aligned to broader Corporate and Investment Banking objectives.
• Ensure timely completion of all portfolio reviews, incident reporting, and remedial actions in line with policy and governance requirements.

Risk and Control (Governance)

• Ensure timely completion of all portfolio reviews, incident reporting, and remedial actions in line with policy and governance requirements.

Management of Colleagues: - (10%)

Outputs:

• Provide ongoing coaching, guidance and on‑the‑job development to junior team members to build capability and ensure consistent, high‑quality service delivery to corporate clients.
• To provide line management support to the Head - Mining, Metals and Minerals by facilitating administration of Performance Development, leave and absence management.
• Meet personal training and development needs through relevant professional and commercial training and networking activities.
• Ensure deep personal understanding of income statement, balance sheet, margin returns, variance analysis, capital and liquidity requirements, revenues, assets, liabilities and capital, expenses, and other key ratios through relevant business engagement.

Education

Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

• Support Relationship Manager in optimising sustainable revenue growth through cross-sell and upsell of the Banks products.
• Monitor leads and co-ordinate information for the Relationship Manager on overall portfolio.
• Develop understanding of the financial targets and key performance of the Relationship Managers portfolio.
• Develop relationship account plans for customers including sales and contact strategy.
• Participate in the preparation of New Business Committee document for new and existing customers borrowing needs.
• Determine the products that are most effective in meeting customers’ needs and pro-actively solution in a timely manner.
• Produce call reports in agreed format for all scheduled significant business meetings, these should be updated on sales force.
• Conduct research to identify potential new customers and maintain database of potential customers and existing customers.
• Undertake Customer Service visits for all clients with frequency based on value.
• Identify priority customers using the Customer Prioritization Guidelines to assess their present and potential contribution.
• Deliver world class customer experience through timely execution of customer requests as well as robust management of all queries and complaints aligned to Absa’s standard procedure and policy.
• Strive to continuously improve the levels of service, through identification of key areas of concern as well as monitoring customer service and satisfaction.
• Proactively engage clients within the portfolio to discuss service issues that they may be facing and draw up plans to resolve.
• Collaborate with specialists in Transactional Banking, Trade Finance and Treasury to enhance customer experience and increase uptake and usage of the Bank’s products.
• Undertake scheduled customer service visits for top clients on the portfolio and customer phone calls for the rest.
• Produce quality complaints MI as per set schedule and drive service excellence through action tracking logs to help in the monitoring of customer service levels and satisfaction.
• Arrange or undertake product and service presentations where appropriate.
• The jobholder will be the point of contact for all Customer Service issues including timely query resolution to support Relationship Management.
• Provide information to Corporate Customers on new products and services being introduced by the Bank.
• Maintain a high standard of operational controls including adherence to Risk Management Control Document (RMCD) Guidelines, KYC & STM procedures and other Bank policies.
• Support Relationship Manager by actioning excess and interest validation reports
• Provide support to Relationship Manager in connection with preparation, execution and perfection of security documentation.
• Co-ordinate the preparation and execution of account opening related documentation including mandates and application forms.
• Actively engagement the Treasury Department in the booking and administration of customer placement of funds and assets booked on Front Arena (Treasury System).
• Collate customer information on service performance for Relationship Managers (including volume of transactions and income).
• Ensure application of amendments to account details on borrowing limits, interest rates and commission charges after engagement with Relationship Managers.
• Assist with preparation and update of Early Warning List (EWL) customer records and participate in the Customer High – Medium/Low Risk Remediation exercise.
• Act as liaison for Risk Management information purposes with Customers, Accountants, Solicitors and any other relevant people.
• Ensure proper segmentation codes are applied against assigned portfolio of Corporate Customers.
• Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Absa Operational risk framework and internal Absa policies and standards.

• Higher Diplomas: Business, Commerce and Management Studies (Required)