Business Banker (Bloemfontein)

Are you an energetic and self-motivated individual passionate about service in the banking industry? Capitec Bank is looking for a Business Banker to join our team in Bloemfontein, Free State. This is an exciting opportunity to help businesses grow by providing tailored financial solutions.

About the Role

As a Business Banker, you will be based at a business centre, focusing on sales and service. Your main goal will be to grow and retain a portfolio of business clients. You’ll identify their needs and implement valuable, specialised business banking financial products, from standard to customised offerings.

Experience Needed

Minimum Requirements:

• At least 3 years of banking experience.
• Proven experience managing a portfolio of business customers, with a focus on service and financial analysis.
• Experience in preparing and motivating credit applications.
• Skills in cost control and sales management.

Ideal Experience:

• 1+ year specifically within a Business Banking environment, preparing and motivating credit applications.

Qualifications

Minimum Qualifications:

• A Diploma in Commerce or Finance.

Ideal or Preferred Qualifications:

• FAIS accredited as a Key Individual and approved by the FSCA.

Knowledge Required

Minimum Knowledge:

• Customer Relationship Management (CRM) principles and techniques.
• How to interpret financial statements, balance sheets, and basic financial ratios.
• Standard business banking transactional products and other core products for small enterprises.
• Capitec’s business banking product offerings.
• Understanding of collateral and balance sheets.
• Knowledge of multiple legal entities (companies, close corporations, sole proprietorships, etc.) and their legislative restrictions/requirements from a financial services perspective.
• Companies and Intellectual Properties Registration Act (CPIC) for correct documentation/mandate preparation.
• Competitors’ offerings.
• Regulations, Acts, and Codes related to the banking environment (e.g., FAIS, FICA).

Ideal Knowledge:

• Features, benefits, and value propositions of Capitec’s product/service offerings.
• Current taxation laws as they apply to customers.
• Good knowledge of administration processes and procedures for Business Banking transactions.

Skills Essential for Success

• 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

• You must have a clear criminal and credit record.
• Willingness to work flexible hours, including Saturdays and Public Holidays.

Capitec is committed to diversity, and where feasible, all appointments will support the achievement of our employment equity goals.

How to Apply

To be considered for this role, please follow these two important steps:

1. First, to get a glimpse of life at Capitec and complete a short assessment, please click here.
2. Once you have completed the assessment, finalise your application by clicking the ‘Apply Now’ button on our careers portal.