Apply by: 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. 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 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+ year spent in the Business Banking environment preparing and motivating credit applications 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 Conditions of Employment Clear criminal and credit record Willingness to work flexible hours (including Saturdays and Public Holidays) Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.
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