- To provide a central, head office based Business Banking sales and service function that will grow and retain business clients
- To achieve financial sales and service objectives by following up on sales leads through various digital communication channels.
Minimum:
- 3 years experience in a banking environment of which 1 year should have been spent in a sales environment.
- 1 year lending experience (preparing and motivating credit applications) preferably within a Business Banking environment.
- 3+ years in a banking environment of which 1+ year should have been spent in a sales environment.
- 1+ years lending experience (preparing and motivating credit applications) within a Business Banking environment
- Previous experience within a Personal banking environment
- A relevant tertiary qualification in Accounting - Financial Accounting or Finance
- Bachelor's Degree in Accounting - Financial Accounting or Finance
Minimum
- Understanding of business banking and intuitive credit and portfolio management.
- Client relationship management (CRM) principles and techniques.
- How to interpret financial statements, balance sheets, collateral and basic financial ratios.
- Standardised business banking transactional products and other core products relevant to small enterprises.
- 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.
- Regulations, Acts and Codes related to the banking environment for example, Companies and Intellectual Properties Registration Act (CPIC) for correct documentation/mandate preparation purposes, Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA) and related anti-money laundering legislation and the National Credit Act (NCA)
- Knowledge of competitors offerings.
- Compliance with the Banking Code of Practice, Credit Risk Manual, Securities Manual and Bank Policies and Procedures.
- Features, benefits and value propositions of Capitec BB product/service offerings.
- Current taxation laws as they apply to customers.
- A good knowledge of administration processes and procedures pertaining to Business Banking transactions
- Analytical Skills
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Problem solving skills
- Clear criminal and credit record
