Account Executive

• 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

• A relevant tertiary qualification in Business Management or Finance

• 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)

• 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

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