Account Executive Menlyn

Capitec; Pretoria; On-site; ZAR 600,000 - 800,000; Full time

Job summary

A leading South African bank is seeking an experienced Business Banking professional to manage and grow a portfolio of business clients. The ideal candidate will have at least 5 years of banking experience, with proven abilities in client relationship management and financial product solutions. This role requires effective interpersonal and strategic thinking skills, along with a strong background in business banking operations. The bank emphasizes diversity and supports employment equity goals.

Qualifications

• Minimum 5 years of banking experience, with 3 years in Business Banking.
• Experience managing a complex portfolio of business customers.
• Responsible for client relationship management of high-value clients.
• Significant experience in preparing and motivating credit applications.

Responsibilities

• Provide a proactive business banking sales and service management function.
• Retain and grow a portfolio of business clients by identifying financial solutions.
• Implement value-adding and specialized business banking products.

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

Communication 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

Overview

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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:

• To see what life at Capitec is all about and complete a short assessment, please click here!
• 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, especially projecting credibility, gravitas and presence in the context of business stakeholders.
• Understanding of different industry sectors, sector risk profiles/trends, and impact of external conditions on 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 understanding of credit applications and securities.
• Legal entities in the commercial market and related restrictions and requirements from a financial services perspective.
• FAIS and FICA compliance.
• Able to extract, analyse and apply CRM insights to influence client management strategy.
• General understanding of how Business Banking operates, including business and industry risks and financial requirements for 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.
• Knowledge of administration processes pertaining to Business Banking transactions.
• Financial Modelling; activity-based costing, financial analysis, complex cash flow cycles relevant to industry/sector.

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
• Communication 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 and, where feasible, all appointments will support the achievement of our employment equity goals.