Business Manager

Capitec Bank Ltd; Roodepoort; On-site; ZAR 600,000 - 900,000; Full time

Job summary

Capitec Bank Limited seeks a seasoned Business Banking Relationship Manager in Roodepoort to retain and grow a portfolio of business clients. You will analyse client financials, prepare credit applications, and work with sales teams to deliver tailored banking solutions.

Ideal candidates bring 5+ years in business banking, strong client management skills, and a solid understanding of FAIS/FICA requirements and risk control. Capitec offers a dynamic, growth-focused environment in Gauteng.

Qualifications

• CRM principles and techniques
• FAIS and FICA knowledge
• Credit principles and securities understanding
• Understanding of business banking risks and portfolios
• Local market sales principles for retention and growth

Skills

Interpersonal & Relationship

Analytical Skills

Computer Literacy (MS Word, MS Excel,…

Commercial Thinking

Strategic Thinking

Communications

Attention to Detail

Education

Relevant tertiary qualification in Business Management or Finance

Bachelor's Degree in Business Management or Finance

Job description

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Purpose Statement

• To provide a proactive business banking sales and service management 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 5 years, of which 3 years should have been spent in the Business Banking environment.
• Experience of managing a complex portfolio of business customers with a service and financial analysis focus.
• Significant experience in preparing and motivating Credit applications
• Cost control and sales management

Ideal:

• 1-2 years managerial /leadership experience
• 1-2 years managing a small business centre

Qualifications (Minimum)

• A relevant tertiary qualification in Business Management or Finance

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Business Management or Finance

Knowledge

Minimum:

• Principles and practices of business economics and the current business economic environment.
• Customer relationship management (CRM) principles and techniques
• Different industry sectors and sector risk profiles/ trends; this includes an understanding of the impact of climatic conditions on the agricultural market (if there are agric clients in the portfolio).
• Local market (LM) sales principles and practices to manage and optimise retention and growth within the portfolio.
• General banking practices and procedures.
• Knowledge of competitor product offerings/ channels/ operational and marketing tactics.
• Credit principles and practices, including an understanding of credit application, securities
• Legal entities (companies, close corporations, sole proprietorships etc.) in the commercial market and the legislative restrictions and requirements governing these from a financial services perspective.
• Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA).
• Able to extract, analyse and apply CRM insights to influence the client management approach and strategy
• General understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to the business market

Ideal:

• Features, benefits and value propositions of the respective company product/service offerings.
• Multi-level products available and pricing structures
• Current taxation laws as they apply to customers.
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions
• Financial Modelling; activity based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)

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 is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.

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