Business Manager (Witbank Business Centre)

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We're on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:

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2. Once you have completed the above finalize your application by clicking apply below

Purpose Statement

• To provide a proactive Business Banking sales and service management function that will retain and grow a portfolio of Business clients.

• To and identify and implement value-adding and specialised Business Banking financial product solutions from a range of standard and/or customised offerings.

• The role includes visiting clients at business premises (frequent travel).

Qualifications (Minimum)

• A relevant tertiary qualification in Business Management or Finance

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Business Management or Similar

Experience

Minimum:

• Banking experience of at least 5 years – of which at least 3 years spent in the Business Banking environment .

• Managing a complex portfolio of Business customers with a service and financial analysis focus.

• Significant experience in preparing and motivating Credit applications.

• Cost control and sales management.

Ideal:

• 1-2 years managerial leadership / managerial experience.

• Managing a small Business Centre.

Knowledge

Minimum:

• Principles and practices of business economics and the current business economic environment.

• Customer relationship management (CRM) principles and techniques.

• Different industry sectors and sector risk profiles / trends; this includes an understanding of the impact of climatic conditions on the agricultural market (if there are agric. clients in the portfolio).

• Local market (LM) sales principles and practices to manage and optimise retention and growth within the portfolio.

• General banking practices and procedures.

• Knowledge of competitor product offerings / channels / operational and marketing tactics.

• Credit principles and practices, including an understanding of credit application, securities.

• Legal entities (companies, close corporations, sole proprietorships, etc.) in the commercial market and the legislative restrictions and requirements governing these from a financial services perspective.

• Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA).

• Able to extract, analyse and apply CRM insights to influence the client management approach and strategy.

• General understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to the Business market.

Ideal:

• Features, benefits and value propositions of the respective company product / service offerings.

• Multi-level products available and pricing structures.

• Current taxation laws as they apply to customers.

• Good knowledge of administration processes and procedures pertaining to Business Banking transactions.

• Financial Modelling; activity-based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry / sector specific).

Skills

• Analytical Skills

• Problem solving skills

• Decision making skills

• Attention to Detail

• Computer Literacy (MS Word, MS Excel, MS Outlook)

• Communications Skills

• Interpersonal & Relationship management Skills

• Influencing Skills

• Negotiation skills

• Commercial Thinking Skills

• Strategic Thinking Skills

Conditions of Employment

• Clear criminal and credit record

• Willingness to work flexible hours (including Saturdays and Public Holidays)

• Willingness to travel nationally on a regular basis

• A valid driver's license and own vehicle is required

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