Business Banker (Paarl Business Centre)

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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:

1. To see what life at Capitec is all about and complete a short assessment, please click here!

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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.

• This will be achieved by identifying and implementing value-adding and specialised Business Banking financial products solutions from a range of standard and/or customised offerings.

• To proactively identify, source, and acquire new Business Banking clients through prospecting, lead generation, networking and referrals, converting opportunities into new client relationships.

Qualifications (Minimum)

• Diploma in Commerce or Finance

Qualifications (Ideal or Preferred)

• FAIS accredited as Key Individual and approved by FSCA

Experience

Minimum:

• Banking experience of at least 3 years (preferably in Business Banking) .

• Managing a portfolio of Business customers, with a focus on customer service and financial analysis.

• Preparing and motivating Credit applications.

• Cost control and sales management.

• Proven experience in proactively acquiring new Business Banking clients; through prospecting, lead generation, networking and referrals - with the ability to convert opportunities into new client relationships.

• Demonstrated ability to achieve sales and new-business acquisition targets.

• Language: Ability to communicate (i.e., have a full conversation) in both Afrikaans and English , in line with language needs of the Paarl Business Centre's client base.

Ideal:

• At least 1+ year(s) spent in a Business Banking environment; including preparing and motivating Credit applications.

Knowledge

Minimum:

• Customer relationship management (CRM) principles and techniques.

• How to interpret financial statements, balance sheets and basic financial ratios.

• Standardised Business Banking transactional products and other core products relevant to small enterprises.

• Business Banking product offerings.

• Understanding of collateral and balance sheets.

• Multiple legal entities (companies, close corporations, sole proprietorships, etc.) in the Business Banking market, and the legislative restrictions and requirements governing these from a financial services perspective.

• Companies and Intellectual Properties Registration Act (CPIC) for correct documentation/mandate preparation purposes.

• Competitors' offerings.

• Regulations, Acts, and Codes related to the banking environment.

• Financial Advisory and Intermediary Services Act (FAIS), and the Financial Intelligence Centre Act (FICA).

Ideal:

• Features, benefits and value propositions of the respective company product/service offerings.

• Current taxation laws as they apply to customers.

• Good knowledge of administration processes and procedures pertaining to Business Banking transactions.

Skills

• Attention to Detail

• Analytical Skills

• Problem solving skills

• Decision making skills

• Communications Skills

• Interpersonal & Relationship management Skills

• Negotiation skills

• Influencing Skills

• Commercial Thinking Skills

• Strategic Thinking Skills

• 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)

• A valid driver's license and own vehicle is required

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