Account Executive

Capitec Bank; Sandton; On-site; ZAR 500,000 - 800,000; Full time

Job summary

Capitec Bank seeks energetic individuals for a business banking role focused on managing and growing client portfolios. Candidates should have substantial banking experience, particularly in Business Banking, and possess strong relationship management skills. This position offers a chance to contribute to innovative banking solutions while working in a dynamic environment.

Qualifications

• Minimum 5 years banking experience, 3 years in Business Banking.
• Experience managing complex portfolios and client relationships.
• Tertiary qualification in Business Management or Finance required.

Responsibilities

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

Skills

Interpersonal & Relationship management Skills

Computer Literacy

Negotiation skills

Problem solving skills

Decision making skills

Commercial Thinking Skills

Strategic Thinking Skills

Communications Skills

Influencing Skills

Analytical Skills

Attention to Detail

Education

Relevant tertiary qualification in Business Management or Finance

Bachelor's Degree in Business Management or Finance

Tools

MS Word

MS Excel

MS 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, pleaseclick 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 specialised business banking financial products 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, esp. 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 optimise 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 application, 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, analyse 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)
• Negotiation skills
• Problem solving skills
• Decision making skills
• Commercial Thinking Skills
• Strategic Thinking Skills
• Communications Skills
• Influencing 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.