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.
- 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.
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.
- Holding responsibility for client relationship management of high value clients with varied and complex needs
- Significant experience in preparing and motivating Credit applications
- Cost control and sales management
- A relevant tertiary qualification in Business Management or Finance
- Bachelor's Degree in Business Management or Finance
Minimum
- Principles and practices of business economics and the current business economic environment.
- Advanced customer relationship management (CRM) principles and techniques, esp. projecting credibility, gravitas and presence in the context of business (client) stakeholders.
- Different industry sectors and sector risk profiles/ trends; including an understanding of the impact of external (economic, political, legislative, climatic) conditions on specific industries/ markets 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
- 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)
- Interpersonal & Relationship management Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Negotiation skills
- Problem solving skills
- Decision making skills
- Commercial Thinking Skills
- Strategic Thinking Skills
- Communications Skills
- Influencing Skills
- Analytical Skills
- Attention to Detail
- Clear criminal and credit record
- Willingness to work flexible hours (including Saturdays and Public Holidays)
