Business Banker at Capitec

About the position

Purpose Statement

• To provide a business centre-based Business Banking sales and service 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 3 years
• Experience of managing a portfolio of business customers with a service and financial analysis focus.
• Experience in preparing and motivating Credit applications
• Cost control and sales management

Ideal:

• 1+ yr spent in the Business Banking environment preparing and motivating credit application

Qualifications (Minimum)

• Diploma in Commerce or Finance

Qualifications (Ideal or Preferred)

• FAIS accredited as Key Individual and approved by FSCA

Knowledge

Minimum:

• Customer relationship management (CRM) principles and techniques
• How to interpret financial statements, balance sheets and basic financial ratios
• Standardized 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 & requirements governing these from a financial services perspective
• Companies and Intellectual Properties Registration Act (CPIC) for correct documentation/mandate preparation purposes
• Knowledge of competitors offerings
• Regulations, Acts and Codes related to the banking environment.
• Financial Advisory and Intermediary Services Act (FAIS), 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.
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions

Skills

• Interpersonal & Relationship management Skills
• Analytical Skills
• Negotiation skills
• Problem solving skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Commercial Thinking Skills
• Strategic Thinking Skills
• Communications Skills
• Influencing Skills
• Attention to Detail
• Decision making skills

Competencies

• Deciding and Initiating Action
• Deciding and Initiating Action_Acting Decisively
• Deciding and Initiating Action_Demonstrating Initiative
• Deciding and Initiating Action_Making Accurate Judgments and Decisions
• Leading and Supervising
• Leading and Supervising_Assembling Talent
• Leading and Supervising_Delegating Responsibility
• Leading and Supervising_Developing Talent
• Leading and Supervising_Maintaining Objectivity
• Leading and Supervising_Managing Performance
• Leading and supervising_Inspiring and Motivating Others
• Leading and supervising_Utilising Feedback
• Working with People
• Working with People_Adapting to Others
• Working with People_Assessing and Understanding People
• Working with People_Attentive Listening
• Working with People_Building and Supporting Teams
• Working with People_Demonstrating Appreciation
• Working with People_Demonstrating Self-Insight and Awareness
• Working with People_Managing from a Distance
• Working with People_Resolving Conflict
• Working with People_Showing Caring and Understanding
• Working with People_Sharing Information
• Working with People_Supporting Coworkers
• Working with People_Teaching
• Relating and Networking
• Relating and Networking_Creating and Maintaining Networks
• Relating and Networking_Establishing Relationships
• Relating and Networking_Interacting with People at Different Levels
• Relating and Networking_Managing Political Situations
• Persuading and Influencing
• Persuading and Influencing_Making Convincing Arguments
• Persuading and Influencing_Making a Strong Impression
• Persuading and Influencing_Negotiating Agreements
• Writing and Reporting
• Writing and Reporting_Composing and Writing Text
• Analysing
• Analysing_Critical Thinking
• Analysing_Evaluating and Implementing Ideas
• Analysing_Reading Effectively
• Analysing_Testing and Troubleshooting
• Analysing_Solving Complex Problems
• Analysing_Thinking Broadly
• Analysing_Using Math
• Analysing_Working with Financial Information
• Planning and Organising
• Planning and Organising_Coordinating Project Activities
• Planning and Organising_Driving Projects to Completion
• Planning and Organising_Managing Resources
• Planning and Organising_Prioritising and Organising Work
• Delivering Results and Meeting Customer Expectations
• Delivering Results and Meeting Customer Expectations_Championing Customer Needs
• Delivering Results and Meeting Customer Expectations_Delivering High Quality Work
• Delivering Results and Meeting Customer Expectations_Meeting Basic Work Expectations
• Delivering Results and Meeting Customer Expectations_Serving Customers
• Adapting and Responding to Change
• Adapting and Responding to Change_Acting as a Champion for Change
• Adapting and Responding to Change_Adapting to Change
• Adapting and Responding to Change_Supporting Change
• Adapting and Responding to Change_Working with Ambiguity
• Adapting and responding to change_Working with Diverse Populations
• Coping with Pressures and Setbacks
• Coping with Pressures and Setbacks_Demonstrating Tenacity and Perseverance
• Coping with Pressures and Setbacks_Displaying Confidence and Composure
• Coping with Pressures and Setbacks_Maintaining Work-Life Balance
• Coping with Pressures and Setbacks_Managing Stress
• Entrepreneurial and Commercial Thinking
• Entrepreneurial and Commercial Thinking_Controlling Costs
• Entrepreneurial and Commercial Thinking_Entrepreneurial Thinking
• Entrepreneurial and Commercial Thinking_Leveraging Opportunities
• Entrepreneurial and Commercial Thinking_Navigating Organisations

Conditions of Employment

• Clear criminal and credit record
• Willingness to work flexible hours (including Saturdays and Public Holidays)