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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 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) - Grade 12 National Certificate / Vocational.
- A relevant degree 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 - Analytical Skills.
- Problem solving skills.
- Commercial Thinking Skills.
- Strategic Thinking Skills.
- Interpersonal & Relationship management Skills.
- Negotiation skills.
- Attention to Detail.
- Computer Literacy (MS Word, MS Excel, MS Outlook).
- Communications Skills.
Conditions of Employment - Clear criminal and credit record.
- Willingness to work flexible hours (including Saturdays and Public Holidays).
Capitec is committed to diversity; applications to this position will strictly be considered in support of our employment equity goals.#J-18808-Ljbffr
