Consultant Product Sales Cpf

Bring your possibility to life Define your career with us
- With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job Summary

CIB Corporate Property Finance (CPF) team is currently looking for a Consultant Product Sales individual to provide specialist deal making, writing and support in sales, enabling the region in achieving its financial goals.

**Job Description**:
Source, secure and maintain Commercial and Residential opportunities in the Property Finance environment/ market and respond by making presentations and pitching products and ideas to both within ABSA group and external potential clients.
- Develop and implement actions to achieve the profit objectives in terms of growth and returns, to meet and exceed sales and or customer targets.
- Facilitate and identify best practice trends in the CPF market regarding sales and market penetration according to global industry trends.
- Develop, retain and manage a portfolio of customers and continue to build strong, long term relationships.
- Understand customer’s needs and service those needs by resolving sales related customer queries and issues, ensuring that issues that can't be resolved are escalated to Management.
- Develop a greater awareness of cross selling opportunities to client base to introduce other specialists within Business Banking or Wealth to CPF clients to optimise greater share of wallet.
- Focus on book retention and portfolio management, acquiring new business through external and internal networks.
- Research, create and follow up a target list for potential new business.
- Keep up to date on Commercial Property Finance Products, market trends and customer needs by regularly engaging with customers in order to obtain a more tailor made customer solution.
- Establish and maintain good professional relationships with clients so as to remain abreast of their needs and issues.
- Establish and maintain good professional relationships with all key Absa staff and management. - Demonstrate decision making capabilities and the willingness to show initiative.

Accountability: Deal Structuring
- Devise new loan structures that meet the client's needs taking into consideration sound financial feasibility and risk principles. - Negotiate acceptance of new property finance opportunities

Accountability: Team Work
- Develop and maintain healthy working relationships with all Commercial Property Finance internal support areas. - Provide feedback into the performance review of other members of the team. - Participate in industry dialogue and share learning’s with team members.

Accountability: Deal execution
- The responsibility for ultimate disbursement of the loan remains with the Consultant from initial client engagement until final disbursement, through the continuous engagement with the various support areas including but not limited to Building Project Management, Legal, Valuations, Docman and Middle Office.

Accountability: Risk management
- Manage high risk customer accounts together with the Credit, CPF Monitoring and Control teams according to standard operating procedures to minimise impairments.
- Ensure that all legal, regulatory and Business Banking policy processes and procedures are adhered to in all transactions facilitated.
- Ensure that transactions comply in all respects with Absa's risk and compliance policies and procedures as well as legal and regulatory requirements.

Education and Experience Required
- NQF Level 6: B Degree Bachelor's degree in Quantity Surveying or Property Management or Finance/ Commerce or BSc Properties Studies.
- Minimum 3 years’ experience in Commercial and Residential portfolio management and property finance transactions within Commercial Property Finance
- Minimum 3 years’ experience in Commercial and Residential Consultant in product small or product medium segment.
- 5 years Commercial Property finance experience as a Consultant/ Relationship or frontline role.

Knowledge & Skills:

- Basic understanding and working knowledge of financial statements
- Working knowledge of the South African financial and property markets in particular property legislation, property financing and credit assessment
- Working knowledge of property valuation principles and related criteria. Working knowledge of the conveyancing process.
- Computer Literacy: - Proficiency in Word, Excel, PowerPoint, Outlook

Risk assessment, mitigation and management
- Report all areas of real or potential risk to the appropriate management representative.
- Ensure that all legal, regulatory and Business Banking policy processes and procedures are adhered to in all transactions facilitated.
- Ensure that transactions comply in all respects with Absa's risk and compliance policies and procedures as well a