Account Analyst

Capitec Bank; Paarl; On-site; ZAR 200,000 - 300,000; Full time

Job summary

A leading financial institution in Paarl seeks an experienced individual to support the daily operations of banking portfolios. You will handle customer service queries and identify cross-selling opportunities while monitoring loan facilities. Applicants must have at least 5 years of relevant experience and a diploma in Commerce or Banking.

Qualifications

• At least 5 years' experience, with 1 year in Business Banking.
• Experience in preparing and motivating Credit applications is essential.

Responsibilities

• Support day-to-day running of portfolios and customer service.
• Identify cross-selling opportunities and monitor loan facilities.

Skills

Communications Skills

Negotiation skills

Problem solving skills

Analytical Skills

Planning, organising and coordination skills

Education

Diploma in Commerce or Banking

Bachelor's Degree in Banking or Commerce

Job description

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Purpose Statement

• To support with the day to day running and maintenance of portfolios by providing a central office-bound contact point for customer service queries/ requests, administration assistance and adding value to clients through the identification of cross-selling opportunities, monitoring all loan facilities in the portfolio on a daily basis against set parameters/ conditions.

Experience

• Minimum: At least 5 years, of which 1 year should have been spent in the Business Banking environment.
• Experience in preparing and motivating Credit applications is essential

Qualifications (Minimum)

• Diploma in Commerce or Banking

Qualifications (Ideal or Preferred)

• Bachelor\'s Degree in Banking or Commerce

Knowledge

• Minimum: The features, benefits and value propositions of respective company product/service offerings.
• General banking practices and procedures.
• Understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to the business market
• Credit principles and practices, including an understanding of credit application, securities and balance sheet requirements.
• The Financial Intelligence Centre Act (FICA).
• Administration processes and procedures pertaining to Business Banking transactions.
• Client relationship management and service principles.

Ideal

• Competitor product offerings/ channels/ operational and marketing tactics would be advantageous.
• Capitec/Business Bank systems and processes

Skills

• Communications Skills
• Negotiation skills
• Problem solving skills
• Analytical Skills
• Planning, organising and coordination skills

Conditions of Employment

• Clear criminal and credit record

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