Business Banker (Bloemfontein)

Capitec Bank; Bloemfontein; On-site; ZAR 300,000 - 400,000; Full time

Job summary

A prominent bank in South Africa is seeking a Business Banking Sales Consultant. The role involves managing a portfolio of business clients and providing tailored banking solutions. Ideal candidates will have at least 3 years of banking experience, a diploma in Commerce or Finance, and strong relationship management skills. Candidates must be willing to work flexible hours, including weekends and public holidays.

Qualifications

• At least 3 years of banking experience.
• Experience managing a portfolio of business customers.
• Experience in preparing credit applications.

Responsibilities

• Provide a Business Banking sales and service function.
• Retain and grow a portfolio of business clients.
• Implement value-adding 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

Communications Skills

Influencing Skills

Attention to Detail

Decision making skills

Education

Diploma in Commerce or Finance

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 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

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:

• 1+ yr spent in the Business Banking environment preparing and motivating credit application

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
• 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)

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
• 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.