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

Experience

Minimum:
• 3 years experience in a banking environment of which 1 year should have been spent in a sales environment.
• 1 year lending experience (preparing and motivating credit applications) preferably within a Business Banking environment.

Ideal:
• 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) within a Business Banking environment
• Previous experience within a Personal banking environment

Qualifications (Minimum)
• A relevant tertiary qualification in Accounting - Financial Accounting or Finance

Qualifications (Ideal or Preferred)
• Bachelor's Degree in Accounting ... Financial Accounting or Finance

Knowledge

Minimum:
• Understanding of business banking and intuitive credit and portfolio management.
• Client relationship management (CRM) principles and techniques.
• How to interpret financial statements, balance sheets, collateral and basic financial ratios.
• Standardised business banking transactional products and other core products relevant to small enterprises.
• 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.
• Regulations, Acts and Codes related to the banking environment - for example, Companies and Intellectual Properties Registration Act (CPIC) for correct documentation/mandate preparation purposes, 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)
• Knowledge of competitors offerings.
• Compliance with the Banking Code of Practice, Credit Risk Manual, Securities Manual and Bank Policies and Procedures.

Ideal:
• Features, benefits and value propositions of Capitec BB product/service offerings.
• Current taxation laws as they apply to customers.
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions

Skills
• Analytical Skills
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Problem solving skills

Conditions of Employment
• Clear criminal and credit record
Sandton South Africa

Salary Criteria