MIKAIL JOEL
Relationship Banker
Cape Town
Summary
Experienced banking professional with over 7 years in SME, Private, and Workplace Banking. Specializes in credit lending, relationship management, and regulatory compliance, supported by a BCom Law degree and Postgraduate Diploma in Risk Management. Delivers tailored financial solutions while ensuring risk control and service quality.
Overview
8
8
years of professional experience
1
1
Language
Work History
Relationship Banker, Private Banking
Standard Bank
12.2025 - Current
- Developed and maintained strong client relationships through personalized financial solutions.
- Analyzed customer needs to recommend tailored banking products and services.
- Facilitated account openings and transactions while ensuring compliance with regulatory standards.
- Led team training initiatives to enhance product knowledge and customer service skills.
Relationship Executive (Small Medium Enterprise)
Absa Bank
05.2023 - 12.2025
- Drove revenue by managing and expanding portfolio of SME clients with low-to-medium complexity commercial banking needs.
- Focused on client acquisition and cross-selling while ensuring service excellence aligned with Absa’s Client Value Proposition (CVP).
- Serve as the primary point of contact for SME clients on all corporate and investment banking matters.
- Foster long-term relationships through proactive engagement and scheduled visits
- Client Solutioning
- Lead cross-functional engagement, orchestrating teams including transactional bankers, credit analysts, product & sector specialists, and support staff.
- Define and manage service delivery standards via clear rules of engagement
- Revenue Growth & Sales
- Originated new business and facilitated cross-sell/up-sell opportunities.
- Create account plans, build pipelines, and deliver strategic proposals to clients
- Oversee portfolio risk, ensuring compliance with regulatory frameworks (e.g., FICA, NCA), KYC/AML, and internal bank policies.
- Ensure accurate client documentation and credit condition fulfillment
Acquisition Banker (Affluent)
Standard Bank
11.2022 - 05.2023
- Client Acquisition & Onboarding
- Acquired new-to-bank affluent clients through proactive outreach (virtual and in-person) and leads from marketing or referrals, enhancing client portfolio.
- Facilitated account openings by managing documentation, mandates, and specimen signatures, ensuring compliance and efficient processing.
- Needs-Based Selling & Cross-Selling
- Perform financial needs analysis to craft and recommend banking solutions, including wealth, lending and transactional products
- Created personalized cross-sell/up-sell opportunities by leveraging local market insights and banking product knowledge, driving client engagement.
- Onsite Client Engagement
- Provided personal, onsite support to clients and gatekeepers, assisting with service requests and troubleshooting.
- Sales Planning & Reporting
- Meet defined acquisition and revenue targets by maintaining effective sales pipelines, performance tracking and reporting
- Risk & Compliance
- Ensure compliance with KYC, FICA, FAIS, AML, and bank policies during account opening and maintenance
- Manage client risk by verifying documentation, mandates, specimen signatures, and escalating issues appropriately.
Acquisition Banker (Workplace Banking & External Sales)
Absa Bank
11.2018 - 11.2022
- Drove sales growth and enhanced service delivery competitiveness through ownership and execution of external acquisition and engagement activities in assigned area
- Fully accountable for meeting individual sales and service targets across Inclusive Banking, Entry-Level, and bulk acquisition initiatives (B2C environment)
- Collaborated on workplace banking schemes, generated leads, and identified cross-sell opportunities across Relationship Banking, Business Bank, and Corporate Bank
- Devise and execute weekly sales plans, campaign strategies, and time management to achieve core efficiencies
- Represent Absa at external forums—public events, festivals, workplace schemes—to generate leads and promote brand visibility
- Conducted needs analysis and delivered tailored financial solutions aligned with Absa products to meet client requirements
- Engage proactively with clients for planned visits, query resolution, and high-quality customer experience (target > 100% satisfaction)
- Act as a brand ambassador in all client-facing and business development activities
- Team Collaboration
- Work closely with team members and regional colleagues to share best practices, monitor collective performance, and drive team sales goals.
- Actively contribute to team initiatives, promote innovation in workflows, and uphold Absa’s core values
- Risk & Regulatory Compliance
- Maintain strict adherence to Absa policies, processes, and regulatory requirements in sales execution (prevent mis-selling, ensure KYC/FICA compliance)
- Ensure proper use and maintenance of sales equipment and digital tools.
- Provide accurate reporting to support sales planning, migration strategies, and governance standards
Education
Postgraduate Diploma - Risk Management
UNISA
Cape Town, South Africa06-2026
TFEL - Education
Tefl Professional Development Institue
Online 04.2001 -
Bachelor of Commerce - Law
Boston City Campus
Cape Town, South Africa01-2022
Higher certificate - business principles and practice
Varsity College
Cape Town, South Africa01-2018
Chuckle 'n Chirp Toastmasters -
Toastmastes International
Somerset West, South Africa 04.2001 -
Matric -
Hottentots Holland High School
Somerset West, South Africa01-2015
Skills
- Financial product knowledge
- Sales growth
- Business acumen
- Task prioritization
- Team collaboration
- Client relationship management
- Pressure management
- Microsoft Office Suite proficiency
- Excellent communication
- Excellent interpersonal relations
- Staff motivation
Timeline
Relationship Banker, Private Banking
Standard Bank
12.2025 - Current
Relationship Executive (Small Medium Enterprise)
Absa Bank
05.2023 - 12.2025
Acquisition Banker (Affluent)
Standard Bank
11.2022 - 05.2023
Acquisition Banker (Workplace Banking & External Sales)
Absa Bank
11.2018 - 11.2022
TFEL - Education
Tefl Professional Development Institue
04.2001 -
Chuckle 'n Chirp Toastmasters -
Toastmastes International
04.2001 -
Bachelor of Commerce - Law
Boston City Campus
Higher certificate - business principles and practice
Varsity College
Postgraduate Diploma - Risk Management
UNISA
Matric -
Hottentots Holland High School