Business Banker: Business Direct at Capitec Bank

Purpose Statement

To provide a central, head office based Business Banking sales and service function that will retain and grow business clients and achieve financial sales and service objectives by following up on sales leads through various digital communication channels. 

Experience

Minimum:

• 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) preferably within a Business Banking environment 

• Satisfying the CPD requirements for FAIS licence

Ideal:

• Previous experience within a Personal banking environment 

• 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

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

• Diploma in Accounting - Financial Accounting or Finance

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Accounting - Financial Accounting or Finance

Knowledge

•  

• 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) 

• Knowledge of standardized business banking transactional products and other core products relevant to small enterprises

• Knowledge of competitors offerings

• Knowledge of the 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)

• Compliance with the Banking Code of Practice, Credit Risk Manual, Securities Manual and Bank Policies and Procedures

Skills

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

• Analytical Skills

• Problem solving skills

• Planning, organising and coordination skills

• Communications 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

• Persuading and Influencing

• Persuading and Influencing_Making Convincing Arguments

• Persuading and Influencing_Making a Strong Impression

• Persuading and Influencing_Negotiating Agreements

• Presenting and Communicating Information

• Presenting and Communicating Information_Communicating Effectively

• Presenting and Communicating information_Presenting and Public Speaking

• 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_Delivering High Quality Work

• Delivering Results and Meeting Customer Expectations_Championing Customer Needs

• Delivering Results and Meeting Customer Expectations_Meeting Basic Work Expectations

• Delivering Results and Meeting Customer Expectations_Serving Customers

• 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

Conditions of Employment

• Clear criminal and credit record