Business Banker: Inbound Or Outbound

• 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