Account Executive (Agriculture)

Capitec Bank Limited; Paarl; Presencial; ZAR 720.000 - 1.000.000; Jornada completa

Descripción de la vacante

Capitec Bank Limited in Paarl seeks an Account Executive to manage and grow an agriculture portfolio, building strong client relationships and delivering specialised financial solutions. You will collaborate with internal teams to ensure seamless service delivery and drive portfolio profitability while maintaining exceptional service standards.

The role requires extensive banking experience, especially in business banking, and a track record of handling high-net-worth clients with solid credit

Formación

• Minimum five years in banking with three+ years in Business Banking.
• Proven ability to manage complex portfolios and assess credit risk.
• Experience with high-net-worth clients and tailored financial solutions.

Responsabilidades

• Proactively manage and grow an agriculture portfolio with tailored financial solutions.
• Drive client growth and retention through value-added banking offerings.
• Collaborate with internal teams to ensure seamless service delivery.

Conocimientos

Interpersonal relationships

Relationship management

CRM knowledge

Strategic thinking

Analytical skills

Attention to detail

Communication

Educación

Relevant tertiary qualification in Business Management or Finance

Bachelor's Degree in Business Management or Finance

Descripción del empleo

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Purpose Statement

The Account Executive will be responsible for managing and growing a dedicated agriculture portfolio, developing strong client relationships, and providing specialised financial solutions to support the growth and sustainability of agricultural businesses. It will include but not be limited to:

• Proactively manage and develop a portfolio of business clients within the agriculture sector, delivering specialised financial product solutions tailored to their unique needs.
• Drive business growth and client retention by identifying opportunities to add value through customised and standard business banking offerings.
• Collaborate closely with internal teams to ensure seamless service delivery, contributing to the broader goals of the Business Banking division at Capitec Bank Limited.

Experience

• A minimum of five years in the banking sector, with at least three years focusing specifically on Business Banking to gain deep insights into the dynamics of managing business clients.
• Proven track record in handling complex portfolios comprising diverse business clients, demonstrating strong skills in service management and financial performance analysis.
• Extensive experience in client relationship management, particularly with high-net-worth and high-value clients, addressing their complex financial demands and ensuring their satisfaction.
• Demonstrated capability in preparing comprehensive credit applications, including assessing risk and presenting clear, well-justified recommendations.
• Strong skills in sales management and cost control to optimise portfolio profitability while maintaining exceptional service standards.

Additional Experience That Enhances Success in This Role:

• Experience working within the agricultural finance landscape, understanding the specific financial cycles and needs of agribusiness clients.
• Familiarity with regulatory and compliance frameworks affecting business banking clients to ensure risk mitigation and adherence to legal requirements.
• Proven ability to develop tailored financial solutions that align with the unique challenges faced by clients in varying industry sectors.

Qualifications (Minimum)

• A relevant tertiary qualification in Business Management or Finance

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Business Management or Finance

Knowledge

Core Knowledge Areas:

• Fundamental principles and practices of business economics alongside current trends impacting the financial environment and business markets.
• Advanced expertise in customer relationship management (CRM) techniques, including the ability to project professionalism, credibility, and influence when engaging with business stakeholders.
• Comprehensive understanding of various industry sectors with an emphasis on sector-specific risk assessments and the implications of external factors such as economic, political, legislative, and climatic conditions.
• Strong grasp of local market sales strategies and practices to effectively drive retention, growth, and portfolio optimisation within the Business Banking division.
• Thorough knowledge of general banking operations, regulatory compliance, and procedures, ensuring accurate and risk-aware financial service delivery.
• Awareness of competitor offerings, marketing tactics, and operational methods to maintain competitive advantage and innovation in client solutions.
• Proficiency in credit principles, including the evaluation of credit applications, securing appropriate collateral, and understanding credit risk management.
• In-depth knowledge of legal structures relevant to commercial clients, including companies, close corporations, and sole proprietorships, alongside applicable financial service legislation such as FAIS and FICA.
• Expertise in analysing and interpreting CRM data to derive actionable insights that inform client engagement strategies and decision-making processes.
• General insight into the workings of Business Banking, coupled with a nuanced understanding of associated business and industry risks and financial service requirements.

Preferred Knowledge Enhancements:

• Detailed understanding of Capitec Bank Limited’s product portfolio, including features, benefits, pricing structures, and multi-level product options tailored to business clients.
• Up-to-date knowledge of taxation laws relevant to business clients, facilitating informed financial advisory and compliance support.
• Strong familiarity with administrative processes and operational procedures specific to Business Banking transactions, ensuring efficiency and accuracy.
• Advanced financial acumen involving financial modelling, activity-based costing, trend analysis, and managing complex cash flow scenarios pertinent to industry and sector specifics.

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 and, where feasible, all appointments will support the achievement 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