Date: 12-Jul-2022
Location: Witbank, LP, ZA
Company: Capitec Bank Ltd
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)