Account Analyst: Staff Banking at Capitec Bank

Purpose Statement
To provide support for day to day operations and maintenance of the staff banking portfolio by being a central office-bound contact point for staff service queries/ requests and assisting in the preparation of credit applications and loan documentation, including opening of accounts.

Experience
Minimum:

• Previous general banking experience of at least 1-3 years
• Experience in a role involving collation and verification of information
• Experience of working on a management system
• Experience in frontline customer consulting (in the personal market) and back office account support roles, to understand how to deal with the client as well as to understand how to process credit applications and customer queries.
• Knowledge and understanding of credit principles and assessments 
• Understanding of different types of income and expenditure
• General administration/office practices   processing credit applications
• Good knowledge of general banking practices and procedures. 
• Knowledge of Credit principles and practices, including an understanding of credit application, securities and lending criteria. 
• A good working knowledge of the Financial Intelligence Centre Act (FICA). 

Ideal:

• Experience preferably gained in a business banking environment
• Experience in a role processing credit applications
• Understanding of legal entities governing the business environment 
• Knowledge of interpreting and analysing financial balance sheets and ratios pertaining to clients Knowledge and understanding of the features, benefits and value propositions of the respective Capitec product/service offerings.
• Knowledge of administration processes and procedures pertaining to staff banking transactions.
• Working knowledge of multi-level products available and pricing structures 

Qualifications (Minimum)

• National Certificate in Accounting - Financial Accounting or Credit Management

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Accounting - Financial Accounting or Credit Management

Knowledge
Minimum:

• Knowledge and understanding of credit principles and assessments 
• Understanding of different types of income and expenditure
• General administration/office practices   processing credit applications
• Good knowledge of general banking practices and procedures. 
• Knowledge of Credit principles and practices, including an understanding of credit application, securities and lending criteria. 
• A good working knowledge of the Financial Intelligence Centre Act (FICA). 
• Ideal:
• Knowledge of interpreting and analysing financial balance sheets and ratios pertaining to clients Knowledge and understanding of the features, benefits and value propositions of the respective Capitec product/service offerings.
• Knowledge of administration processes and procedures pertaining to staff banking transactions.
• Working knowledge of multi-level products available and pricing structures 

Skills

• Administration Skills
• Attention to Detail
• Analytical Skills
• Communications Skills
• Problem solving skills
• 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
• 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_Sharing Information
• Working with People_Showing Caring and Understanding
• Working with People_Supporting Coworkers
• Working with People_Teaching
• Writing and Reporting
• Writing and Reporting_Composing and Writing Text
• Analysing
• Analysing_Critical Thinking
• Analysing_Evaluating and Implementing Ideas
• Analysing_Reading Effectively
• Analysing_Solving Complex Problems
• Analysing_Testing and Troubleshooting
• Analysing_Thinking Broadly
• Analysing_Using Math
• Analysing_Working with Financial Information
• 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

Conditions of Employment

• Clear criminal and credit record