Account Executive (Mbombela)

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.

Responsibilities

• To provide a proactive business banking sales and service management function that will retain and grow a portfolio of business clients by identifying and implementing value-adding and specialized business banking financial product solutions from a range of standard and/or customized offerings.

Experience

Minimum:

• Banking experience of at least 5 years, of which 3 years should have been spent in the Business Banking environment.
• Experience of managing a complex portfolio of business customers with a service and financial analysis focus.
• Holding responsibility for client relationship management of high-value clients with varied and complex needs.
• Significant experience in preparing and motivating Credit applications.
• Cost control and sales management.

Qualifications (Minimum)

• A relevant tertiary qualification in Business Management or Finance.

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Business Management or Finance.

Knowledge

Minimum:

• Principles and practices of business economics and the current business economic environment.
• Advanced customer relationship management (CRM) principles and techniques, especially projecting credibility, gravitas, and presence in the context of business (client) stakeholders.
• Different industry sectors and sector risk profiles/trends, including an understanding of the impact of external (economic, political, legislative, climatic) conditions on specific industries/markets in the portfolio.
• Local market (LM) sales principles and practices to manage and optimize retention and growth within the portfolio.
• General banking practices and procedures.
• Knowledge of competitor product offerings/channels/operational and marketing tactics.
• Credit principles and practices, including an understanding of credit applications and securities.
• Legal entities (companies, close corporations, sole proprietorships, etc.) in the commercial market and the legislative restrictions and requirements governing these from a financial services perspective.
• Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA).
• Able to extract, analyze, and apply CRM insights to influence the client management approach and strategy.
• General understanding of how Business Banking operates, as well as understanding the business risks, industry risks, and financial requirements pertaining to the business market.

Ideal:

• Features, benefits, and value propositions of the respective company product/service offerings.
• Multi-level products available and pricing structures.
• Current taxation laws as they apply to customers.
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions.
• Financial Modelling; activity-based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/sector specific).

Skills

• Interpersonal & Relationship management Skills.
• Computer Literacy (MS Word, MS Excel, MS Outlook).
• Commercial Thinking Skills.
• Strategic Thinking Skills.
• Communications Skills.
• Analytical Skills.
• Attention to Detail.

Conditions of Employment

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

Capitec is committed to diversity; applications to this position will strictly be considered in support of our employment equity goals.

Capitec Bank is an authorised financial services provider (FSP 46669) and registered credit provider (NCRCP13). Capitec Bank Limited Reg. No: 1980/003695/06