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.