Business Banker (Somerset West)

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

Job summary

A leading financial institution in South Africa seeks energetic individuals for a Business Banking role. You will manage a portfolio of business clients, providing tailored banking solutions. Candidates must have at least 3 years of banking experience and a diploma in commerce or finance. Strong interpersonal and analytical skills are essential for success in this role.

Qualifications

• Banking experience of at least 3 years required.
• 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 financial product solutions.

Skills

Interpersonal & Relationship management skills

Analytical skills

Negotiation skills

Problem-solving skills

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

Commercial and strategic thinking skills

Effective communication 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, please click 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 product solutions from a range of standard and/or customized offerings.

Experience

Minimum:

• Banking experience of at least 3 years.
• Experience 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 experience.

Ideal:

• Over 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 accreditation as Key Individual 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.
• Understanding of collateral and balance sheets.
• Knowledge of multiple legal entities (companies, close corporations, sole proprietorships, etc.) and the legislative restrictions & requirements governing them from a financial services perspective.
• Knowledge of the Companies and Intellectual Properties Registration Act (CPIC) for correct documentation/mandate preparation.
• Knowledge of competitors' offerings.
• Regulations, Acts, and Codes related to the banking environment, including FAIS and FICA.

Ideal:

• Features, benefits, and value propositions of the company's product/service offerings.
• Current taxation laws applicable to customers.
• 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 and strategic thinking skills.
• Effective 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 all appointments will support our employment equity goals where feasible.