Business Banker, Mthatha (Pipeline)

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)