Purpose

• 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 customised offerings.

Requirements

• Diploma in Commerce or Finance
• 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

Skills & Competencies

Knowledge

• Customer relationship management (CRM) principles and techniques
• How to interpret financial statements, balance sheets and basic financial ratios
• Standardised 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

Responsibilities

• Azichazwanga

Additional Information

• Clear criminal and credit record
• Willingness to work flexible hours (including Saturdays and Public Holidays)

Ideal or Preferred:

• FAIS accredited as Key Individual and approved by FSCA
• 1+ years spent in the Business Banking environment preparing and motivating credit application