Business Banker

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We're on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:

1. To see what life at Capitec is all about and complete a short assessment, please click here!

2. Once you have completed the above finalize your application by clicking apply below

Purpose Statement

- To provide a business centre-based Business Banking sales and service function that will retain and grow a portfolio of business clients by identifying and implementing value adding and specialised business banking financial products solutions from a range of standard and/or customized offerings.

Experience

Minimum:

- Banking experience of at least 3 years

- Experience of managing a portfolio of business customers with a service and financial analysis focus.

- Experience in preparing and motivating Credit applications

- Cost control and sales management

Ideal:

- 1+ yr spent in the Business Banking environment preparing and motivating credit application

Qualifications (Minimum)

- Diploma in Commerce or Finance

Qualifications (Ideal or Preferred)

- FAIS accredited as Key Individual and approved by FSCA

Knowledge

Minimum:

- Customer relationship management (CRM) principles and techniques

- How to interpret financial statements, balance sheets and basic financial ratios

- Standardized business banking transactional products and other core products relevant to small enterprises

- Business banking product offerings

- Understanding of collateral and balance sheets

- Multiple legal entities (companies, close corporations, sole proprietorships, etc.) in the business banking market and the legislative restrictions & requirements governing these from a financial services perspective

- Companies and Intellectual Properties Registration Act (CPIC) for correct documentation/mandate preparation purposes

- Knowledge of competitors offerings

- Regulations, Acts and Codes related to the banking environment.

- Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA)

Ideal:

- Features, benefits and value propositions of the respective company product/service offerings.

- Current taxation laws as they apply to customers.

- A good knowledge of administration processes and procedures pertaining to Business Banking transactions

Skills

- Interpersonal & Relationship management Skills
- Analytical Skills
- Negotiation skills
- Problem solving skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Commercial Thinking Skills
- Strategic Thinking Skills
- Communications Skills
- Influencing Skills
- Attention to Detail
- Decision making skills

Conditions of Employment

- Clear criminal and credit record
- Willingness to work flexible hours (including Saturdays and Public Holidays)

Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.