Business Banker (MT2) - Kudu Branch
Listing reference: capbw_002755
Listing status: Online
Apply by: 13 October 2025
Position summary
Industry: Banking
Job category: Banking, Finance, Insurance. Stockbroking
Location: Windhoek
Contract: Permanent
Remuneration: Market Related
EE position: No
Introduction
Accountable for a defined portfolio of Clients, integrating and co-ordinating all the Bank’s products, services and resources in order to maximise the value of the business relationship and ensure profitability for the Bank and the Client.
As a Business Banker, the main purpose is to provide actual, branch-based business banking sales and service facility to a portfolio of business clients requiring uncomplicated and standardised financial product solutions.
The Business Banker is part of the Branch and is supported and managed by the Branch and is responsible for the acquisition, retention and expansion of business banking customers in their assigned branch. This is achieved by proactively serving as the customer's advisor and navigator and by engaging the full resources of the company to uncover and deliver solutions to meet the key objectives of all Business Banking customers. The Business Banker is responsible for driving the Business Banking results in their branch for both portfolio and non-portfolio customers. This is accomplished by acting as the 'subject matter expert' within the branch and by providing ongoing coaching to branch team members regarding Business Banking products and services. Goals are achieved through: Gaining complete knowledge of business and personal financial needs of 100% of assigned customers.
Job description
KEY PERFORMANCE AREAS (KPAS)
1. Strategic Focus
• Responsible for proactively understanding the Clients’ strategic direction and long term needs as well as the opportunities and threats to the Clients.
• Responsible for developing and nurturing strategic relationships with the Clients to ensure that the strategy and business objectives of the Client and the Bank are achieved.
• Continually drives and role models a superior client orientated culture within Business Banking.
• Continually recommends improvements and adaptations to existing systems, processes and structures in order to ensure current and future viability of Business Banking.
• Responsible for proactively understanding the Clients’ strategic direction and long term needs as well as the opportunities and threats to the Clients.
• Responsible for developing and nurturing strategic relationships with the Clients to ensure that the strategy and business objectives of the Client and the Bank are achieved.
• Continually drives and role models a superior client orientated culture within Business Banking.
• Continually recommends improvements and adaptations to existing systems, processes and structures in order to ensure current and future viability of Business Banking.
2. Business Acumen and Market Understanding (Profitable Growth in product and client sales)
• Responsible for developing an intimate understanding of the clients’ industry and business, analysing their modus operandi, management practices, judgement of various influential decision makers, and market conditions affecting the long term viability of the business and industry sector.
• Responsible for utilising information management systems and processes to pre-empt selling opportunities and identify opportunities and threats to Clients and the Bank.
• Ensure that this knowledge is effectively used to continually provide information to ensure that the products and services of the Bank meet the needs of the Client and stay abreast with world best practice.
• Responsible for developing an intimate understanding of the clients’ industry and business, analysing their modus operandi, management practices, judgement of various influential decision makers, and market conditions affecting the long term viability of the business and industry sector.
• Responsible for utilising information management systems and processes to pre-empt selling opportunities and identify opportunities and threats to Clients and the Bank.
• Ensure that this knowledge is effectively used to continually provide information to ensure that the products and services of the Bank meet the needs of the Client and stay abreast with world best practice.
3. Client Profitability and Risk Management (Sustainable Portfolio Management 箺lance Sheet & Client Contribution})
• Responsible for conforming to the Bank’s risk policies and procedures.
• Responsible for monitoring markets and pre-empting risk for both the Client and the Bank.
• Responsible for demonstrating a general understanding of all areas of risk associated with Business Banking clients, products and services.
• Responsible for drawing on this information and input from reliable sources (network) to decide on strategies to meet their needs (business financial needs & operational banking service needs) to establish a sound relationship for further business and protect against loss of key clients to competitors.
• Responsible for working closely with Credit to initiate business deal proposals for new facilities, or facility modifications that require the assessment of credit or other risk, and motivates the deal with insightful information regarding business strengths and vulnerabilities.
• Ensure that final sign-off on all credit facilities granted is retained.
• Responsible for proactively and timorously identifying potential problem accounts and formulating appropriate risk mitigating strategies through healthy and effective Account Management, which include effective management of client reviews, excess management and limitations and dormant account management.
• Responsible for conforming to the Bank’s risk policies and procedures.
• Responsible for monitoring markets and pre-empting risk for both the Client and the Bank.
• Responsible for demonstrating a general understanding of all areas of risk associated with Business Banking clients, products and services.
• Responsible for drawing on this information and input from reliable sources (network) to decide on strategies to meet their needs (business financial needs & operational banking service needs) to establish a sound relationship for further business and protect against loss of key clients to competitors.
• Responsible for working closely with Credit to initiate business deal proposals for new facilities, or facility modifications that require the assessment of credit or other risk, and motivates the deal with insightful information regarding business strengths and vulnerabilities.
• Ensure that final sign-off on all credit facilities granted is retained.
• Responsible for proactively and timorously identifying potential problem accounts and formulating appropriate risk mitigating strategies through healthy and effective Account Management, which include effective management of client reviews, excess management and limitations and dormant account management.
4. Relationship Building (Net Promoter Score & Client Satisfaction Score)
• Fully accountable for the relationship with the Client, across all hierarchical levels, which incorporates integrating and co-ordinating all contact between the Bank and the Client.
• Responsible for identifying a “champion” within the Client’s business and fostering the relationship to ensure leading edge information about the Client’s business objectives, opportunities ands threats.
• Establish credibility and overall profitability for the Bank and the Client by the skilful application of specialist knowledge to deal with diverse Client environments and provide qualified leads to relevant areas within the Bank e.g. Treasury, Project Finance.
• Ensure that specialist skills on specific products and product mix at the appropriate time and level is introduced in order to create solutions, which effectively satisfies Client needs.
• Responsible for remaining up to date with clients’ needs and solutions in place to enable them to fulfil a credible 2IC role when supporting Corporate/Commerical Banking with a client where the Branch and Corporate/Commerical are both responsible for the profile.
• Fully accountable for the relationship with the Client, across all hierarchical levels, which incorporates integrating and co-ordinating all contact between the Bank and the Client.
• Responsible for identifying a “champion” within the Client’s business and fostering the relationship to ensure leading edge information about the Client’s business objectives, opportunities ands threats.
• Establish credibility and overall profitability for the Bank and the Client by the skilful application of specialist knowledge to deal with diverse Client environments and provide qualified leads to relevant areas within the Bank e.g. Treasury, Project Finance.
• Ensure that specialist skills on specific products and product mix at the appropriate time and level is introduced in order to create solutions, which effectively satisfies Client needs.
• Responsible for remaining up to date with clients’ needs and solutions in place to enable them to fulfil a credible 2IC role when supporting Corporate/Commerical Banking with a client where the Branch and Corporate/Commerical are both responsible for the profile.
5. Service Delivery (Client Service Quality and Efficiency)
• Ensure that the implications of non/ substandard delivery of the role is understood.
• Ensure 100% availability of the service and sales support team.
• Educate the Client in terms of the structure of Business Banking and Corporate/Commercial Service and identifies the individuals accountable for the Client’s sales and service.
• Responsible for identifying barriers to business development that emanate from sales and service delivery dissatisfaction, and developing strategies to overcome these problems with the relevant members of the team and the Client
• Ensure that client confidence is supported by solid delivery of expected benefits, such as cost-efficient finance, improved efficiency of financial administration, and reliability of required service standards.
• Ensure that the implications of non/ substandard delivery of the role is understood.
• Ensure 100% availability of the service and sales support team.
• Educate the Client in terms of the structure of Business Banking and Corporate/Commercial Service and identifies the individuals accountable for the Client’s sales and service.
• Responsible for identifying barriers to business development that emanate from sales and service delivery dissatisfaction, and developing strategies to overcome these problems with the relevant members of the team and the Client
• Ensure that client confidence is supported by solid delivery of expected benefits, such as cost-efficient finance, improved efficiency of financial administration, and reliability of required service standards.
6. People Management
• Responsible for coaching the Business Bankers Assistant in all aspects of his/her work and ensuring that the team communication is open and ongoing.
• Responsible for coaching the Business Bankers Assistant in all aspects of his/her work and ensuring that the team communication is open and ongoing.
7. Financial Management
• Ensure that the financial management processes and procedures of Business Banking is understood and conformed to.
• Responsible for continually making suggestions to improve and adapt these processes for the benefit of Business Banking and the Client.
• Ensure that the financial management processes and procedures of Business Banking is understood and conformed to.
• Responsible for continually making suggestions to improve and adapt these processes for the benefit of Business Banking and the Client.
8. General
• Must be prepared/willing to do any other reasonable and lawful instruction/task and it is normally carried out on time and correct.
• Must be prepared/willing to do any other reasonable and lawful instruction/task and it is normally carried out on time and correct.
CORE COMPETENCIES:
• Resilience
• Drive
• Socially confident
• Decisive
• Flexible
• Persuasive
• Resourceful
• Critical
• Observant
• Time Management
• Integrity
• Responsible
• Self-motivated and self-driven
• Work well under pressure
• Trustworthy
• Committed
• Customer focus
• Loyalty
• Reliability
• Assertive
• Resilience
• Drive
• Socially confident
• Decisive
• Flexible
• Persuasive
• Resourceful
• Critical
• Observant
• Time Management
• Integrity
• Responsible
• Self-motivated and self-driven
• Work well under pressure
• Trustworthy
• Committed
• Customer focus
• Loyalty
• Reliability
• Assertive
Minimum requirements
EXPERIENCE/KNOWLEDGE & SKILLS
• Knowledge of the systems and procedures
• 5 Years banking experience, specifically within the Business Banking environment.
• At least six months experience within the Credit environment.
• Good knowledge and understanding of banking financial services mechanisms and the entire range of products and services useful to corporate organisations, with knowledge of their mechanisms, client benefits, limitations, profitability to the bank, and value in developing strategically long term business relationships.
• Utilise this knowledge to identify cross selling opportunities and identify the relevant resources within the Bank to optimise these selling opportunities
• Relationship management principles and practice.
• Team goal structuring and planning skills – knows how to leverage the expertise of the team.
• Group dynamics and team building skills.
• Experience in high level management.
• Good communication and relationship facilitation skills
• Professional image and grooming
• Good calculation skills
• Good problem solving skills
• Self-confidence and interpersonal skills
• Computer literate
• Analytical skills
• Be able to handle confidential / sensitive information with discretion
• Knowledge of the systems and procedures
• 5 Years banking experience, specifically within the Business Banking environment.
• At least six months experience within the Credit environment.
• Good knowledge and understanding of banking financial services mechanisms and the entire range of products and services useful to corporate organisations, with knowledge of their mechanisms, client benefits, limitations, profitability to the bank, and value in developing strategically long term business relationships.
• Utilise this knowledge to identify cross selling opportunities and identify the relevant resources within the Bank to optimise these selling opportunities
• Relationship management principles and practice.
• Team goal structuring and planning skills – knows how to leverage the expertise of the team.
• Group dynamics and team building skills.
• Experience in high level management.
• Good communication and relationship facilitation skills
• Professional image and grooming
• Good calculation skills
• Good problem solving skills
• Self-confidence and interpersonal skills
• Computer literate
• Analytical skills
• Be able to handle confidential / sensitive information with discretion
QUALIFICATION
• Matric (Grade 12)
• A Commerce degree or equivalent.
• Matric (Grade 12)
• A Commerce degree or equivalent.
