Business Banker (Paarl Business Centre)

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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.

- This will be achieved by identifying and implementing value-adding and specialised Business Banking financial products solutions from a range of standard and/or customised offerings.

- To proactively identify, source, and acquire new Business Banking clients through prospecting, lead generation, networking and referrals, converting opportunities into new client relationships.

Qualifications (Minimum)

- Diploma in Commerce or Finance

Qualifications (Ideal or Preferred)

- FAIS accredited as Key Individual and approved by FSCA

Experience

Minimum:

- Banking experience of at least 3 years (preferably in Business Banking) .

- Managing a portfolio of Business customers, with a focus on customer service and financial analysis.

- Preparing and motivating Credit applications.

- Cost control and sales management.

- Proven experience in proactively acquiring new Business Banking clients; through prospecting, lead generation, networking and referrals - with the ability to convert opportunities into new client relationships.

- Demonstrated ability to achieve sales and new-business acquisition targets.

- Language: Ability to communicate fluently (i.e., have a full conversation) in both Afrikaans and English , in line with language needs of the Paarl Business Centre's client base.

Ideal:

- At least 1+ year(s) spent in a Business Banking environment; including preparing and motivating Credit applications.

Knowledge

Minimum:

- Customer relationship management (CRM) principles and techniques.

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

- Standardised 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 and requirements governing these from a financial services perspective.

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

- Competitors' offerings.

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

- Financial Advisory and Intermediary Services Act (FAIS), and 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.

- Good knowledge of administration processes and procedures pertaining to Business Banking transactions.

Skills

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

Conditions of Employment

- Clear criminal and credit record
- Willingness to work flexible hours (including Saturdays and Public Holidays)
- A valid driver's license and own vehicle is required

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