Business Banker - KZN at Bidvest Bank

Primary Purpose

• We have an exciting opportunity for a Business Banker to join our KZN Region.

Minimum Requirements

Qualifications

• Grade 12
• Degree
• Certificate in Banking (ideal)
• BCom (ideal)
• Relevant RE qualifications

Experience

• At least three years of sales experience in a financial services
  industry
• Proficiency in IT

Competencies

• Business Acumen
• Knowledge of banking products
• Ability to analyse and understand financial statements
• Professional communication skills.
• Excellent selling skills
• Self motivated
• Positive attitude and resilient

Duties and Responsibilities

FINANCE

Monthly Sales Revenue Target

• To proactively cold call and find new clients for Bidvest to meet the monthly revenue
  target
• To educate and promoting Bidvest’s full product offering to clients to maximize the revenue that can be generated
• Manage the profit margins through providing clients with comparative information on
  rates and obtaining the best rates for specific banking products
• Actively grow the client base by agreed target of new acquisitions a month in order to
  achieve the sales target

CUSTOMER CENTRICITY

Customer Service

• Cold calling, networking and proactively approaching prospective clients to sell Bidvest’s
  value proposition
• Correctly anticipating and interpreting the customers’ business requirements in order to
  get them to bank with Bidvest Bank, sell right product to right customer and ability to
  close deals
• Providing relevant timeous solutions to the client through researching the client’s
  business in relation to the current economic climate and educating the client on Bidvest’s
  products
• Providing excellent service that will result in customer referrals and new business
• Taking on the role as the primary point of contact for the client, ensuring excellent service
  levels and quality to customers to ensure the retention of the client and a long term
  working relationship
• Continuous face to face and telephonic interaction with clients in order to pre-empt and
  proactively address their needs
• Responding speedily and correctly to stakeholder and customer queries.
• Assist the client with innovative ways to gain maximum benefit from the products e.g.
  offering right product at right time
• Pro-actively manage the review process of clients’ facilities, checking, submitting and
  motivating the business case for approval to credit and legal departments to achieve
  renewal in the necessary time period. (Providing all necessary documents)
• Train and assist the client on the necessary systems / processes to deal with the Bank in
  the most efficient way, customer education
• Continual awareness of what is going on in the market and economy to provide relevant
  advise to the client at all times
• On-boarding – signing up customer for first time, following the correct processes in terms
  of compliance, credit application and obtaining the facility with the relevant internal
  departments

Admin Support

• Provide relevant reports in order to track progress
• Review the client files and keep up to date with changes of directors, board members and
  authorized signatories
• Update and manage all client interaction on the CRM system

Process Management

• Successful relationship building with legal, credit, Internal bankers, back office and Treasury in
  order to achieve clients’ needs
• Signing off files and work with legal and credit to ensure that all necessary documents are in
  place and delivered to clients
• Deal with the Financial Surveillance Department to assist and prepare the client to approach
  the Reserve Bank if necessary
• Follow up with all parties to ensure that queries are resolved

Training

• Keeping abreast of Compliance (FICA) requirements
• Knowledge of Banking products and channels
• FAIS compliance

• Anti Money laundering training
• Understand the sales cycle