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.
Responsibilities
- 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 product 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 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 agricultural 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
- Communications Skills.
- Analytical Skills.
- Commercial Thinking Skills.
- Strategic Thinking Skills.
- Interpersonal & Relationship management Skills.
- Attention to Detail.
- Computer Literacy (MS Word, MS Excel, MS Outlook).
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.
Capitec Bank is an authorised financial services provider (FSP 46669) and registered credit provider (NCRCP13). Capitec Bank Limited Reg. No: 1980/003695/06
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