Business Banker

Purpose Statement

• 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 customized offerings.

Experience

Minimum:

• 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 


• 
  
  Have hands-on acquisition experience in Business Banking, specifically in identifying, acquiring, and managing new business clients within a competitive commercial market
  
  

Ideal:

• 1+ yr spent in the Business Banking environment preparing and motivating credit application

Qualifications (Minimum)

Qualifications (Ideal or Preferred)

Knowledge

Minimum:

• Customer relationship management (CRM) principles and techniques


• How to interpret financial statements, balance sheets and basic financial ratios


• Standardized 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

Conditions of Employment