Account Executive FirstRand x1
- Position: Account Executive
- Employer: FirstRand (FNB Commercial Sales & Service)
- Location: Bloemfontein, Free State
- Type: Full-Time
- Closing Date: 15 November 2025
Purpose of the Role
To strategically and operationally manage a portfolio of high-value commercial clients (R150 million+), ensuring portfolio growth through acquisition, retention, and relationship management, while delivering on profitability, compliance, and customer satisfaction.
Key Responsibilities
Client & Portfolio Management
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Build and maintain strong, long-term relationships with high-value commercial clients.
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Acquire new clients and retain existing ones to ensure portfolio growth.
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Engage with clients to understand their unique business and financial needs, providing tailored solutions.
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Structure commercial deals, ensuring compliance with FNB’s credit policy and governance.
Financial & Business Performance
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Manage cost-to-income ratio to enhance profitability and operational efficiency.
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Drive revenue growth through cross-selling, digital adoption, and innovative banking solutions.
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Provide budget input, monitor utilisation, and report on financial performance.
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Identify and manage financial and operational risks in client portfolios.
Customer Service Excellence
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Deliver a premium client experience, ensuring service levels exceed expectations.
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Resolve client queries and complaints promptly and professionally.
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Promote digital banking solutions and process efficiency.
Compliance & Risk Management
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Ensure all client and portfolio activities comply with legislative, regulatory, and audit requirements.
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Participate in risk forums and governance processes.
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Implement compliance procedures aligned with FNB’s standards and South African financial laws.
Leadership & Collaboration
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Collaborate with product houses, finance, and risk teams to align on business strategy.
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Provide guidance and mentorship to team members.
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Promote a culture of teamwork, innovation, and inclusivity.
Qualifications & Experience
Essential:
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Bachelor of Commerce (BCom) or equivalent degree (Honours preferred).
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3–5 years’ experience in Commercial Banking or a similar environment.
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Proven experience with credit applications, client onboarding, and relationship management.
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RE qualification (Regulatory Examination for Representatives).
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Strong deal structuring and financial analysis abilities.
Preferred:
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Experience managing a portfolio of large corporate or high-net-worth clients.
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Credit Management qualification or exposure.
Key Competencies
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Strategic thinking and commercial acumen.
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Strong negotiation and deal-structuring skills.
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Excellent communication and presentation ability.
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Customer-focused, with a track record of high client satisfaction.
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Analytical problem-solver with a proactive approach.
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Leadership and collaboration across multifunctional teams.
You’ll Succeed If You Are:
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Adaptable and curious — always seeking innovative solutions.
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Sales-driven and focused on results.
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Client-centric — building trust and long-term value.
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Collaborative — thriving in cross-functional environments.
What FNB Offers
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Opportunities to innovate and make a measurable impact.
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Networking and collaboration with industry experts.
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A dynamic, inclusive work culture built on curiosity and growth.
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Commitment to Employment Equity and the advancement of persons with disabilities.