Business Banker

Capitec Bank Limited; Durban; On-site; ZAR 300 000 - 450 000; Full time

Job summary

A leading South African bank is looking for a Business Banker in Durban to provide sales and service functions that will help grow and retain a portfolio of business clients. Candidates should have at least 3 years of banking experience and a Diploma in Commerce or Finance. The role requires strong relationship management and analytical skills, with a commitment to diversity and flexible working hours.

Qualifications

• Minimum 3 years of banking experience managing a portfolio of business customers.
• Understanding collateral and balance sheets.
• Knowledge of competitors' offerings and relevant regulations.

Responsibilities

• Provide business banking sales and service functions.
• Identify and implement value-adding financial solutions.
• Grow and retain a portfolio of business clients.

Skills

Interpersonal & Relationship management

Analytical Skills

Negotiation skills

Problem solving skills

Computer Literacy (MS Word, MS Excel, MS Outlook)

Commercial Thinking Skills

Strategic Thinking Skills

Communications Skills

Influencing Skills

Attention to Detail

Decision making skills

Education

Diploma in Commerce or Finance

FAIS accredited as Key Individual

Job description

Business Banker Durban, KwaZulu-Natal, South Africa

Purpose Statement: To provide a business centre-based Business Banking sales and service 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

Banking experience of at least 3 years. Experience of managing a portfolio of business customers with a service and financial analysis focus.

Qualifications

• Experience in preparing and motivating Credit applications
• Cost control and sales management
• 1+ yr spent in the Business Banking environment preparing and motivating credit application
• Diploma in Commerce or Finance
• FAIS accredited as Key Individual and approved by FSCA
• Knowledge of Customer relationship management (CRM) principles and techniques
• How to interpret financial statements, balance sheets and basic financial ratios
• Standardized business banking transactional products and other core products relevant to small enterprises
• Business banking product offerings
• Understanding of collateral and balance sheets
• Multiple legal entities (companies, close corporations, sole proprietorships, etc.) in the business banking market and the legislative restrictions & requirements governing these from a financial services perspective
• Companies and Intellectual Properties Registration Act (CPIC) for correct documentation / mandate preparation purposes
• Knowledge of competitors offerings
• Regulations, Acts and Codes related to the banking environment
• Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA)
• Features, benefits and value propositions of the respective company product / service offerings.
• Current taxation laws as they apply to customers.
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions.

Skills

• Interpersonal & Relationship management
• Analytical Skills
• Negotiation skills
• Problem solving skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Commercial Thinking Skills
• Strategic Thinking Skills
• Communications Skills
• Influencing Skills
• Attention to Detail
• Decision making skills

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.