PIPELINE: Business Banker (Pietermaritzburg)

About the role

Capitec is hiring a PIPELINE: Business Banker (Pietermaritzburg), based in Durban. 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.

Responsibilities

• Ideal (Preferred)
• FAIS accredited as Key Individual and approved by FSCA

Requirements

• Minimum
• Diploma in Commerce or Finance
• 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(s) spent in the Business Banking environment 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
• 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 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), 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
• Analytical skills
• Problem Solving skills
• Attention to Detail
• Decision Making skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Commercial Thinking skills
• Strategic Thinking skills
• Communication skills
• Interpersonal & Relationship Management skills
• Influencing skills
• Negotiation skills
• Conditions of Employment
• Clear criminal and credit record
• Willingness to work flexible hours (including Saturdays and Public Holidays)