Business Manager (Witbank Business Centre)

Apply by : 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:

1. To see what life at Capitec is all about and complete a short assessment, please click here!
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.