Business Banker, Mthatha (Pipeline)

Capitec Bank Limited; Mthatha; On-site; ZAR 320,000 - 520,000; Full time

Job summary

Capitec Bank Limited in Mthatha, Eastern Cape, seeks a Business Banking specialist to manage and grow a portfolio of business clients. You will identify value-adding solutions from standard and customised offerings to drive revenue and customer satisfaction.

The ideal candidate has banking experience (min 3 years), portfolio management, and the ability to prepare and motivate credit applications, with a focus on cost control and sales performance.

Qualifications

• Minimum: Banking experience of at least 3 years.
• Experience in 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

Responsibilities

• Provide a business centre-based Business Banking sales and service function to 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.

Skills

Interpersonal skills

Relationship management

Analytical

MS Word

MS Excel

MS Outlook

Commercial thinking

Strategic thinking

Communications

Attention to detail

Education

Diploma in Commerce or Finance

Job description

Select how often (in days) to receive an alert:

• 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
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Commercial Thinking Skills
• Strategic Thinking Skills
• Communications Skills
• Attention to Detail

Conditions of Employment

• Clear criminal and credit record
• Willingness to work flexible hours (including Saturdays and Public Holidays)

Capitec Bank is an authorised financial services provider (FSP 46669) and registered credit provider (NCRCP13). Capitec Bank Limited Reg. No: 1980/003695/06