Account Analyst (Witbank)

Join Us in Becoming the Best Bank in the World!!

We appoint energized and motivated people for their potential and continuously look for talented, driven individuals to help us innovate and evolve. That is why we focus on finding the right people for the right jobs. We love what we do because we focus on making a positive difference for our clients and employees. Our company DNA is built around talented and committed teams dedicated to build a brand that we are proud of and earns the trust of our clients.

Who We Are

We are a bank, but we’re much more than that. We believe that banking is about enabling people to control their financial lives through banking that is simplified, accessible, affordable and delivered through a personal experience. By helping our clients manage their financial lives better, we enable them to live better. 

Why Choose Us

At Capitec, we offer our best by living up to our CEO values in every situation – we always put the Client first, act with Energy and take Ownership. And to support people in being their best, our Employee Value Proposition offers every value to all team members through cohesive teams, growth opportunities as well as employee benefits and savings. We make it a priority to ensure that each member of the Capitec team feels welcome, valued, focused, and has the opportunity to grow. 

About the role:

The Account Analyst supports the day-to-day management of a business banking portfolio by delivering excellent client service, administering accounts, and preparing, processing, and monitoring credit facilities in line with risk and credit policies. The role also focuses on growing the portfolio through cross-selling and identifying new business opportunities while ensuring compliance, quality service, and portfolio profitability.

Our ideal candidate has:

• A minimum NQF4 Banking Certificate and ideally a Bachelor’s Degree in Commerce or Finance
• Minimum of 2-3 years’ experience in banking, with at least 1 year in a Business Banking or Commercial Banking environment.
• Proven experience in preparing, motivating, and processing credit applications in line with credit policies and risk frameworks.
• Demonstrated experience in analysing financial statements, balance sheets, and management accounts.
• Experience in managing and maintaining a client portfolio, including daily monitoring of lending and investment accounts.
• Proven track record in client service, relationship management, and handling business banking queries and requests.
• Experience in credit risk management, including monitoring excesses, account conduct, and credit compliance.
• Experience in identifying cross-selling opportunities and supporting sales growth within a business banking environment

Knowledge

Minimum:

•  The features, benefits and value propositions of respective company product/service offerings. 
• General banking practices and procedures.
• Understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to the business market 
• Credit principles and practices, including an understanding of credit application, securities and balance sheet requirements. . 
• The Financial Intelligence Centre Act (FICA). 
• Administration processes and procedures pertaining to Business Banking transactions.
• Client relationship management and service principles.      

Ideal:

Knowledge and understanding of:

• Competitor product offerings/ channels/ operational and marketing tactics would be advantageous.
• Capitec/Business Bank systems and processes

If you are interested in being part of this dynamic team, on a mission to build the best bank in the world through unlocking the potential of its people, please apply. We would love to hear from you!

Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals

Conditions of employment:

• Clear Criminal Record and Credit Record