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Account Executive

Date: 12-Oct-2021

Location: Sandton, GT, ZA

Company: Capitec Bank Ltd

Purpose Statement

  • To provide a proactive business banking sales and service management 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 5 years, of which 3 years should have been spent in the Business Banking environment.
  • Experience of managing a complex portfolio of business customers with a service and financial analysis focus.
  • Holding responsibility for client relationship management of high value clients with varied and complex needs
  • Significant experience in preparing and motivating Credit applications 
  • Cost control and sales management 

Qualifications (Minimum)

  • A relevant tertiary qualification in Business Management or Finance

Qualifications (Ideal or Preferred)

  • Bachelor's Degree in Business Management or Finance

Knowledge

Minimum:

  • Principles and practices of business economics and the current business economic environment. 
  • Advanced customer relationship management (CRM) principles and techniques, esp.  projecting credibility, gravitas and presence in the context of business (client) stakeholders. 
  • Different industry sectors and sector risk profiles/ trends; including an understanding of the impact of external (economic, political, legislative, climatic) conditions on specific industries/ markets in the portfolio 
  • Local market (LM) sales principles and practices to manage and optimise retention and growth within the portfolio. 
  • General banking practices and procedures. 
  • Knowledge of competitor product offerings/ channels/ operational and marketing tactics. 
  • Credit principles and practices, including an understanding of credit application, securities 
  • Legal entities (companies, close corporations, sole proprietorships etc.) in the commercial market and the legislative restrictions and requirements governing these from a financial services perspective. 
  • Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA). 
  • Able to extract, analyse and apply CRM insights to influence the client management approach and strategy 
  • General understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to the business market

Ideal:

  • Features, benefits and value propositions of the respective company product/service offerings. 
  • Multi-level products available and pricing structures
  • Current taxation laws as they apply to customers. 
  • A good knowledge of administration processes and procedures pertaining to Business Banking transactions
  • Financial Modelling; activity based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)

Skills

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

Competencies

  • 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_Sharing Information
  • Working with People_Showing Caring and Understanding
  • 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_Solving Complex Problems
  • Analysing_Testing and Troubleshooting
  • 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)