Business Banker (Somerset West)

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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+ year spent in the Business Banking environment preparing and motivating credit applications.

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.
• Communication 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.