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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.
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
A relevant tertiary qualification in Business Management or Finance
Qualifications (Ideal or Preferred)
Bachelor's Degree in Business Management or Finance
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
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)
Interpersonal & Relationship management Skills
Computer Literacy (MS Word, MS Excel, MS Outlook)
Problem solving skills
Decision making skills
Commercial Thinking Skills
Strategic Thinking Skills
Attention to Detail
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_Evaluating and Implementing Ideas
Analysing_Solving Complex Problems
Analysing_Testing and Troubleshooting
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)
Note: Never pay for any training, certificate, assessment, or testing to the recruiter.
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