Business Banker (Paarl Business Centre)

Purpose Statement

• To provide a business centre-based Business Banking sales and service function that will retain and grow a portfolio of Business clients.
• This will be achieved by identifying and implementing value-adding and specialised Business Banking financial products solutions from a range of standard and/or customised offerings.
• To proactively identify, source, and acquire new Business Banking clients through prospecting, lead generation, networking and referrals, converting opportunities into new client relationships.

Qualifications (Minimum)

• Diploma in Commerce or Finance

Qualifications (Ideal or Preferred)

• FAIS accredited as Key Individual and approved by FSCA

Experience
Minimum:

• Banking experience of at least 3 years (preferably in Business Banking).
• Managing a portfolio of Business customers, with a focus on customer service and financial analysis.
• Preparing and motivating Credit applications.
• Cost control and sales management.
• Proven experience in proactively acquiring new Business Banking clients; through prospecting, lead generation, networking and referrals - with the ability to convert opportunities into new client relationships.
• Demonstrated ability to achieve sales and new-business acquisition targets.
• Language: Ability to communicate (i.e., have a full conversation) in both Afrikaans and English, in line with language needs of the Paarl Business Centre's client base.

Ideal:

• At least 1+ year(s) spent in a Business Banking environment; including preparing and motivating Credit applications.

Knowledge
Minimum:

• 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 and requirements governing these from a financial services perspective.
• Companies and Intellectual Properties Registration Act (CPIC) for correct documentation/mandate preparation purposes.
• Competitors' offerings.
• Regulations, Acts, and Codes related to the banking environment.
• Financial Advisory and Intermediary Services Act (FAIS), and 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. 
• Good knowledge of administration processes and procedures pertaining to Business Banking transactions.

Skills

• Attention to Detail
• Analytical Skills
• Problem solving skills
• Decision making skills
• Communications Skills
• Interpersonal & Relationship management Skills
• Negotiation skills
• Influencing Skills
• Commercial Thinking Skills
• Strategic Thinking Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)