Job Openings at Capitec Bank

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

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Purpose Statement

• To provide a business centre-based Business Banking sales and service 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 3 years
• Experience of managing a portfolio of business customers with a service and financial analysis focus.
• Experience in preparing and motivating Credit applications
• Cost control and sales management

Ideal

• 1+ yr spent in the Business Banking environment preparing and motivating credit application

Qualifications (Minimum)

• Diploma in Commerce or Finance

Qualifications (Ideal Or Preferred)

• FAIS accredited as Key Individual and approved by FSCA

Knowledge

Minimum

• 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)

Ideal

• 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

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

Conditions of Employment

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