Business Manager 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.
• Significant experience in preparing and motivating Credit applications 
• Cost control and sales management 

Ideal:

• 1-2 years managerial /leadership experience
• 1-2 years managing a small business centre 

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. 
• Customer relationship management (CRM) principles and techniques
• Different industry sectors and sector risk profiles/ trends; this includes an understanding of the impact of climatic conditions on the agricultural market (if there are agric clients 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
• Analytical Skills
• Negotiation skills
• Problem solving skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Commercial Thinking Skills
• Strategic Thinking Skills
• Communications Skills
• Influencing Skills
• Attention to Detail
• Decision making skills

Competencies

• Deciding and Initiating Action
• Working with People
• Relating and Networking
• Persuading and Influencing
• Analysing
• Coping with Pressures and Setbacks
• Delivering Results and Meeting Customer Expectations

Conditions of Employment

• Clear criminal and credit record
• Willingness to work flexible hours (including Saturdays and Public Holidays)