Business Banker

Business Banker position available. Purpose Statement: To provide a business-centre-based Business Banking sales and service function. The role involves retaining and growing a portfolio of business clients by identifying and implementing value-adding, specialized financial solutions from a range of standard or customized business banking offerings.

Experience Requirements:

• Minimum:
  • At least 3 years of experience in banking.
  • Experience in managing a portfolio of business clients with a focus on service and financial analysis.
  • Proven experience in preparing and motivating credit applications.
  • Expertise in cost control and sales management.
• Ideal:
  • 1+ year of experience in the Business Banking environment with specific involvement in preparing and motivating credit applications.

Qualifications:

• Minimum:
  • Diploma in Commerce or Finance.
• Ideal/Preferred:
  • FAIS accreditation as Key Individual, approved by FSCA.

Knowledge:

• Minimum:
  • Customer Relationship Management (CRM) principles and techniques.
  • Ability to interpret financial statements, balance sheets, and basic financial ratios.
  • Knowledge of standardized business banking transactional products and core products relevant to small enterprises.
  • Understanding of collateral, balance sheets, and financial services regulations.
  • Familiarity with various legal entities (companies, close corporations, sole proprietorships, etc.) and the legislative framework.
  • Regulations, Acts, and Codes within the banking environment, including the Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA).
  • Competitor product offerings and market trends.
• Ideal:
  • Knowledge of current taxation laws as they apply to customers.
  • Administrative processes and procedures specific to Business Banking transactions.
  • A good grasp of company products and services, with an understanding of their features, benefits, and value propositions.

Skills:

• Strong interpersonal and relationship management.
• Analytical and problem-solving abilities.
• Negotiation and influencing skills.
• Strategic and commercial thinking.
• High attention to detail and decision-making skills.
• Excellent communication skills.
• Proficiency in MS Word, Excel, and Outlook.

Conditions of Employment:

• Clear criminal and credit record.
• Willingness to work flexible hours, including Saturdays and public holidays.