Business Banker

Capitec; Gauteng; On-site; ZAR 300 000 - 400 000; Full time

Job summary

A leading banking institution in Gauteng seeks energetic individuals for a Business Banking role focused on sales and client management. The position requires a minimum of three years' banking experience and a diploma in Commerce or Finance. The ideal candidate will excel in client relations and have strong analytical and negotiation skills. Flexible working hours required.

Qualifications

• Minimum 3 years banking experience.
• Experience managing a portfolio of business customers.
• Experience in preparing and motivating credit applications.

Responsibilities

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

Skills

Interpersonal & relationship management skills

Analytical skills

Negotiation skills

Problem-solving skills

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

Commercial thinking skills

Strategic thinking skills

Communication skills

Influencing skills

Attention to detail

Decision-making skills

Education

Diploma in Commerce or Finance

Tools

MS Word

MS Excel

MS Outlook

Job description

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 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 customised offerings.

Experience

• Minimum: Banking experience of at least 3 years
• Experience of managing a portfolio of business customers with a service and financial analysis focus.
• Experience in preparing and motivating credit applications
• Cost control and sales management

Ideal Experience

• 1+ year spent in the Business Banking environment preparing and motivating credit applications

Qualifications (Minimum)

• Diploma in Commerce or Finance

Qualifications (Ideal or Preferred)

• FAIS accredited as Key Individual and approved by FSCA

Knowledge (Minimum)

• Customer relationship management (CRM) principles and techniques
• How to interpret financial statements, balance sheets and basic financial ratios
• Standardised 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)

Knowledge (Ideal)

• 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 skills
• Analytical skills
• Negotiation skills
• Problem‑solving skills
• Computer literacy (MS Word, MS Excel, MS Outlook)
• Commercial thinking skills
• Strategic thinking skills
• Communication 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.