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Business Banker

Date: 24-Nov-2021

Location: Nelspruit, MP, ZA

Company: Capitec Bank Ltd

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.



  • 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 


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

Qualifications (Minimum)

  • Diploma in Commerce or Finance

Qualifications (Ideal or Preferred)

  • FAIS accredited as Key Individual and approved by FSCA



  • 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) 


  • 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


  • 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


  • Deciding and Initiating Action
  • Deciding and Initiating Action_Acting Decisively
  • Deciding and Initiating Action_Demonstrating Initiative
  • Deciding and Initiating Action_Making Accurate Judgments and Decisions
  • Leading and Supervising
  • Leading and Supervising_Assembling Talent
  • Leading and Supervising_Delegating Responsibility
  • Leading and Supervising_Developing Talent
  • Leading and Supervising_Maintaining Objectivity
  • Leading and Supervising_Managing Performance
  • Leading and supervising_Inspiring and Motivating Others
  • Leading and supervising_Utilising Feedback
  • Working with People
  • Working with People_Adapting to Others
  • Working with People_Assessing and Understanding People
  • Working with People_Attentive Listening
  • Working with People_Building and Supporting Teams
  • Working with People_Demonstrating Appreciation
  • Working with People_Demonstrating Self-Insight and Awareness
  • Working with People_Managing from a Distance
  • Working with People_Resolving Conflict
  • Working with People_Showing Caring and Understanding
  • Working with People_Sharing Information
  • Working with People_Supporting Coworkers
  • Working with People_Teaching
  • Relating and Networking
  • Relating and Networking_Creating and Maintaining Networks
  • Relating and Networking_Establishing Relationships
  • Relating and Networking_Interacting with People at Different Levels
  • Relating and Networking_Managing Political Situations
  • Persuading and Influencing
  • Persuading and Influencing_Making Convincing Arguments
  • Persuading and Influencing_Making a Strong Impression
  • Persuading and Influencing_Negotiating Agreements
  • Writing and Reporting
  • Writing and Reporting_Composing and Writing Text
  • Analysing
  • Analysing_Critical Thinking
  • Analysing_Evaluating and Implementing Ideas
  • Analysing_Reading Effectively
  • Analysing_Testing and Troubleshooting
  • Analysing_Solving Complex Problems
  • Analysing_Thinking Broadly
  • Analysing_Using Math
  • Analysing_Working with Financial Information
  • Planning and Organising
  • Planning and Organising_Coordinating Project Activities
  • Planning and Organising_Driving Projects to Completion
  • Planning and Organising_Managing Resources
  • Planning and Organising_Prioritising and Organising Work
  • Delivering Results and Meeting Customer Expectations
  • Delivering Results and Meeting Customer Expectations_Championing Customer Needs
  • Delivering Results and Meeting Customer Expectations_Delivering High Quality Work
  • Delivering Results and Meeting Customer Expectations_Meeting Basic Work Expectations
  • Delivering Results and Meeting Customer Expectations_Serving Customers
  • Adapting and Responding to Change
  • Adapting and Responding to Change_Acting as a Champion for Change
  • Adapting and Responding to Change_Adapting to Change
  • Adapting and Responding to Change_Supporting Change
  • Adapting and Responding to Change_Working with Ambiguity
  • Adapting and responding to change_Working with Diverse Populations
  • Coping with Pressures and Setbacks
  • Coping with Pressures and Setbacks_Demonstrating Tenacity and Perseverance
  • Coping with Pressures and Setbacks_Displaying Confidence and Composure
  • Coping with Pressures and Setbacks_Maintaining Work-Life Balance
  • Coping with Pressures and Setbacks_Managing Stress
  • Entrepreneurial and Commercial Thinking
  • Entrepreneurial and Commercial Thinking_Controlling Costs
  • Entrepreneurial and Commercial Thinking_Entrepreneurial Thinking
  • Entrepreneurial and Commercial Thinking_Leveraging Opportunities
  • Entrepreneurial and Commercial Thinking_Navigating Organisations

Conditions of Employment

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