Account Analyst

Account Analyst position available. Purpose Statement: To support the day-to-day running and maintenance of portfolios by providing a central office-bound contact point for customer service queries and requests, administration assistance, and adding value to clients through the identification of cross-selling opportunities. This role involves monitoring all loan facilities in the portfolio daily against set parameters and conditions.

Key Responsibilities:

1. Customer Service & Administration:
   • Serve as a central contact point for customer service queries and requests related to business banking portfolios.
   • Provide administrative assistance to ensure efficient portfolio management.
   • Identify and act upon cross-selling opportunities to add value to clients.
2. Portfolio Monitoring:
   • Monitor all loan facilities in the portfolio daily to ensure compliance with set parameters and conditions.
   • Prepare and motivate credit applications as required.

Experience:

• Minimum: At least 5 years of experience, with a minimum of 1 year in the Business Banking environment.
• Experience in preparing and motivating credit applications is essential.

Qualifications:

• Minimum: Diploma in Commerce or Banking.
• Ideal or Preferred: Bachelor’s Degree in Banking or Commerce.

Knowledge:

• Minimum:
  • Features, benefits, and value propositions of company product/service offerings.
  • General banking practices and procedures.
  • Understanding of Business Banking operations, including business risks, industry risks, and financial requirements.
  • Credit principles and practices, including credit applications, securities, and balance sheet requirements.
  • The Financial Intelligence Centre Act (FICA).
  • Administration processes and procedures related to Business Banking transactions.
  • Client relationship management and service principles.
• Ideal:
  • Knowledge of competitor product offerings, channels, operational, and marketing tactics.
  • Understanding of Capitec/Business Bank systems and processes.

Skills:

• Communication skills.
• Negotiation skills.
• Problem-solving skills.
• Analytical skills.
• Planning, organizing, and coordination skills.

Conditions of Employment:

• Clear criminal and credit record.