New Employment Opportunity at Absa Bank

POSITION: SME Banker

Absa Bank is seeking an SME Banker to manage and sustain a portfolio of SME customers. If you hold a university degree, bring at least three years of client facing experience, and want to build long term relationships founded on efficient, reliable support, this role offers the perfect opportunity to maximize sustainable risk adjusted portfolio contribution while growing your career in corporate lending.

Why Absa Bank?

Absa Bank is a leading African financial services group, committed to partnering with businesses of all sizes. As an SME Banker, you will not simply process transactions; you will identify and acquire fully funded transactional SME customers, develop strong long term relationships, and increase wallet share through customized financial solutions. You will promote credit facilities, deposits, bancassurance, forex, trade, digital solutions, and retail products. Moreover, you will conduct a minimum of 20 client visits per month, staying close to your customers and their evolving needs.

Your Mission: Acquire, Manage, and Grow

You will take responsibility for managing a portfolio of SME customers, building relationships founded on quick risk decisions and consistent operational service. Your focus will span sales and service (60%), business management (25%), risk and control (10%), and staff management (5%). Your ability to achieve sales targets, assess creditworthiness, and maintain a non performing loan ratio below 5% will determine your success.

Key Responsibilities

Your role spans acquisitions, relationship management, sales, customer service, credit assessment, portfolio quality monitoring, risk compliance, and team coaching. Here is what you will tackle:

Sales & Service (60%)

• You will identify and acquire fully funded transactional new SME customers through targeted sales strategies, building a pipeline of growing businesses.
• Developing and maintaining strong long term relationships with existing and new SME customers increases wallet share and client profitability.
• Understanding the specific needs of customers allows you to provide customized financial solutions that fit their unique situations.
• Achieving sales targets contributes to the overall growth of the SME business.
• Promoting and cross selling the bank’s products and services including credit facilities, deposits, bancassurance, forex, trade, digital solutions, and retail products deepens each relationship.
• Staying close to customers through regular visits (minimum of 20 visits monthly) keeps you informed and trusted.
• Providing exceptional customer service by addressing enquiries and resolving issues promptly builds loyalty.
• Conducting regular client reviews identifies opportunities for additional support.

Business Management (25%)

• You will assess the creditworthiness of SME clients, preparing detailed credit proposals for consideration by the credit team.
• Ensuring that all relevant documents for annual review reach the credit team on time prevents delays and frustrated customers.
• Monitoring and controlling portfolio quality using “Condition of Sanction” triggers where possible, in line with credit policy, protects the bank from excessive risk.
• Ensuring the Non Performing Loan ratio does not exceed 5% keeps the portfolio healthy and profitable.

Risk & Control (10%)

• You will ensure that all activities and duties comply fully with regulatory requirements, the Enterprise Wide Risk Management Framework, and internal Absa Bank policies and standards.
• Understanding and managing risks and risk events (incidents) relevant to the role prevents surprises and protects the bank’s reputation.

Staff Management (5%)

• You will provide day to day coaching and coordination of Corporate Support staff, ensuring consistent service quality and risk management.
• Building the capabilities of support staff multiplies your effectiveness.

What You Bring to the Role

We are looking for a candidate with the right knowledge, expertise, and technical skills. Here is what you need:

Knowledge & Expertise

• A university degree or its equivalent.
• A minimum of three years of experience in a client facing role.
• A good knowledge of corporate lending, especially to multinationals (and by extension, growing SMEs).
• Knowledge of trade transactions and associated processes.
• A detailed knowledge of the core set of corporate products.
• A proven track record in sales.
• An excellent understanding of credit and associated risks.

Technical Skills & Competencies

• Ability to relate and influence stakeholders at all levels.
• Knowledgeable in risk management issues.
• Professionalism and ability to work in teams.
• Product knowledge in lending, cash management, treasury, and trade.
• Demonstrated ability in both written and spoken communication.
• Demonstrated ability in sales and negotiations.
• Good knowledge of credit procedures, monitoring, and financial analysis.
• Analytical skills for preparing credit applications.
• Lastly, Acquaintance with Windows, Excel, PowerPoint, and Word.

Why This Role Suits You

• SME Focus: You will help growing businesses access the capital and services they need to expand.
• Relationship Banking: You will conduct 20 client visits monthly, building trust and uncovering opportunities.
• Portfolio Management: You will own the entire customer lifecycle from acquisition through credit assessment to ongoing support.
• Risk Awareness: You will maintain a non performing loan ratio below 5%, balancing growth with prudence.

Key Details to Remember

• Position: SME Banker
• Bank: Absa Bank
• Focus: Small and medium sized enterprises
• Monthly Visits: Minimum 20 client visits

Ready to Grow with Ghana’s SMEs?

If you possess the qualifications and drive to excel as an SME Banker, we want to hear from you. Prepare your CV highlighting your client facing experience, sales track record, credit knowledge, and familiarity with corporate lending. Join Absa Bank and become part of a team that builds long term relationships, provides customized financial solutions, and helps SMEs thrive.

How to Apply for this Employment Opportunity at Absa Bank

Click Here to Apply

Closing Date: 30th April 2026

NOTE: 

Please be aware that employers typically receive a high volume of applications for each position and will only shortlist the most qualified candidates. Please note that NewsNowGh.com is not involved in the employer’s recruitment decisions and does not guarantee that applicants will be shortlisted or selected for any role.

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