Account Executive

Capitec Bank; Durban; On-site; ZAR 600,000 - 900,000; Full time

Job summary

A leading bank seeks self-motivated candidates for a senior role in business banking. You will manage a portfolio of high-value clients, focusing on providing tailored financial solutions and enhancing client relationships. The successful candidate will have a strong background in banking sales and service management, with a relevant degree and proven experience in the business banking environment.

Qualifications

• 5 years banking experience, 3 in Business Banking.
• Experience managing complex portfolios and client relationships.
• Ability to prepare credit applications and manage costs.

Responsibilities

• Provide business banking sales and service management.
• Retain and grow a portfolio of business clients.
• Identify and implement tailored financial solutions.

Skills

Interpersonal skills

Negotiation

Problem-solving

Communication

Analytical skills

Education

Relevant tertiary qualification in Business Management or Finance

Bachelor's Degree in Business Management or Finance

Tools

MS Word

Excel

Outlook

Job description

Apply by:

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 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, with 3 years in the Business Banking environment.
• Experience managing a complex portfolio of business customers with a service and financial analysis focus.
• 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 of business economics and the current economic environment.
• Advanced customer relationship management (CRM) principles and techniques, especially projecting credibility, gravitas, and presence in a business context.
• Industry sectors and risk profiles, including external factors affecting industries/markets.
• Local market sales principles to manage and grow the portfolio.
• General banking practices and procedures.
• Knowledge of competitor products, channels, and marketing tactics.
• Credit principles, including applications and securities.
• Understanding of legal entities in the commercial market and relevant legislation.
• Knowledge of FAIS and FICA regulations.
• Ability to analyze CRM insights to influence client management strategies.
• Understanding of Business Banking operations, risks, and financial requirements.

Ideal:

• Features, benefits, and value propositions of company products/services.
• Knowledge of multi-level products and pricing structures.
• Understanding of current taxation laws applicable to customers.
• Knowledge of administration processes for Business Banking transactions.
• Financial modeling, activity-based costing, and trend analysis.

Skills

• Interpersonal and relationship management skills.
• Computer literacy (MS Word, Excel, Outlook).
• Negotiation, problem-solving, decision-making, and analytical skills.
• Commercial and strategic thinking skills.
• Effective communication and influencing 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 be considered in support of our employment equity goals.

For further information regarding this job posting, please contact the Capitec Talent Acquisition Consultant.