Account Executive at Capitec Bank

Purpose Statement

• To provide a proactive business banking sales and service management 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 5 years, of which 3 years should have been spent in the Business Banking environment.

• Experience of managing a complex portfolio of business customers with a service and financial analysis focus.

• Holding responsibility for client relationship management of high value clients with varied and complex needs

• Significant experience in preparing and motivating Credit applications 

• Cost control and sales management 

Qualifications (Minimum)

• A relevant tertiary qualification in Business Management or Finance

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Business Management or Finance

Knowledge

Minimum:

• Principles and practices of business economics and the current business economic environment. 

• Advanced customer relationship management (CRM) principles and techniques, esp.  projecting credibility, gravitas and presence in the context of business (client) stakeholders. 

• Different industry sectors and sector risk profiles/ trends; including an understanding of the impact of external (economic, political, legislative, climatic) conditions on specific industries/ markets in the portfolio 

• Local market (LM) sales principles and practices to manage and optimise retention and growth within the portfolio. 

• General banking practices and procedures. 

• Knowledge of competitor product offerings/ channels/ operational and marketing tactics. 

• Credit principles and practices, including an understanding of credit application, securities 

• Legal entities (companies, close corporations, sole proprietorships etc.) in the commercial market and the legislative restrictions and requirements governing these from a financial services perspective. 

• Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA). 

• Able to extract, analyse and apply CRM insights to influence the client management approach and strategy 

• General understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to the business market

Ideal:

• Features, benefits and value propositions of the respective company product/service offerings. 

• Multi-level products available and pricing structures

• Current taxation laws as they apply to customers. 

• A good knowledge of administration processes and procedures pertaining to Business Banking transactions

• Financial Modelling; activity based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)

Skills

• Interpersonal & Relationship management Skills

• Computer Literacy (MS Word, MS Excel, MS Outlook)

• Negotiation skills

• Problem solving skills

• Decision making skills

• Commercial Thinking Skills

• Strategic Thinking Skills

• Communications Skills

• Influencing Skills

• Analytical Skills

• Attention to Detail

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_Sharing Information

• Working with People_Showing Caring and Understanding

• 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_Solving Complex Problems

• Analysing_Testing and Troubleshooting

• 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)