At a Glance
- Tasks: Help businesses thrive by providing tailored banking solutions and exceptional service.
- Company: Join a dynamic team at Capitec, a leader in innovative banking.
- Benefits: Enjoy competitive pay, flexible hours, and opportunities for growth.
- Other info: Embrace a diverse workplace with a commitment to equity and inclusion.
- Why this job: Make a real difference for businesses while developing your banking expertise.
- Qualifications: 3 years of banking experience and a diploma in Commerce or Finance.
The predicted salary is between 35000 - 45000 £ per year.
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 product solutions from a range of standard and/or customised offerings.
Experience (Minimum)
- Banking experience of at least 3 years
- Experience managing a portfolio of business customers with a service and financial analysis focus
- Experience preparing and motivating credit applications
- Cost control and sales management experience
- Hands‑on acquisition experience in Business Banking, specifically in identifying, acquiring and managing new business clients within a competitive commercial market
Experience (Ideal)
- 1+ year spent in the Business Banking environment preparing and motivating credit applications
Qualifications (Minimum)
- Diploma in Commerce or Finance
Qualifications (Ideal or Preferred)
- FAIS accredited as Key Individual and approved by FSCA
Knowledge (Minimum)
- Customer relationship management (CRM) principles and techniques
- Interpretation of 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
- Knowledge of multiple legal entities 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)
Knowledge (Ideal)
- Features, benefits and value propositions of the respective company product/service offerings
- Current taxation laws as they apply to customers
- 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
- Communication skills
- Influencing skills
- Attention to detail
- Decision‑making skills
Conditions of Employment
- Clear criminal and credit record
- Willingness to work flexible hours (including Saturdays and public holidays)
Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.
Business Banker employer: Capitec
Capitec is an exceptional employer that fosters a dynamic work culture focused on growth and innovation in the banking sector. With a commitment to employee development, we offer extensive training and career advancement opportunities, ensuring our Business Bankers thrive in their roles while contributing to a diverse and inclusive environment. Located in a vibrant community, our team enjoys a supportive atmosphere that values collaboration and customer-centric solutions, making it a rewarding place to build a meaningful career.
StudySmarter Expert Advice🤫
We think this is how you could land Business Banker
✨Tip Number 1
Network like a pro! Get out there and connect with people in the business banking world. Attend industry events, join relevant online groups, and don’t be shy to reach out on LinkedIn. You never know who might have the inside scoop on your dream job!
✨Tip Number 2
Prepare for those interviews by practising common questions and scenarios you might face. Think about how your experience aligns with the role of a Business Banker. We recommend doing mock interviews with friends or using online resources to boost your confidence.
✨Tip Number 3
Showcase your skills! Create a portfolio that highlights your achievements in managing business clients and financial analysis. This can set you apart from other candidates and give potential employers a clear picture of what you bring to the table.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive and engaged with our company. So, get your application in and let’s make it happen!
We think you need these skills to ace Business Banker
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Business Banker role. Highlight your banking experience, especially in managing business portfolios and preparing credit applications. We want to see how your skills match what we're looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about business banking and how you can add value to our team. Be sure to mention any specific experiences that relate to the job description.
Showcase Your Skills:Don’t forget to highlight your interpersonal and analytical skills in your application. We’re looking for someone who can build relationships and think strategically, so give us examples of how you've done this in the past.
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates from us!
How to prepare for a job interview at Capitec
✨Know Your Numbers
As a Business Banker, you'll need to be comfortable with financial statements and ratios. Brush up on your ability to interpret balance sheets and understand the financial health of businesses. This will not only help you answer technical questions but also demonstrate your analytical skills.
✨Showcase Your Relationship Management Skills
Interpersonal skills are key in this role. Prepare examples of how you've successfully managed client relationships in the past. Think about specific instances where you added value to a client’s business or resolved a challenging situation.
✨Understand the Competition
Familiarise yourself with the offerings of competitors in the business banking space. Be ready to discuss how your potential employer's products stand out and how you can leverage that knowledge to attract new clients.
✨Prepare for Scenario Questions
Expect to face scenario-based questions that assess your problem-solving and decision-making skills. Think through common challenges in business banking and prepare structured responses that highlight your strategic thinking and commercial acumen.
