Business Banker Job Opportunity at Capitec Bank – Bedfordview, Gauteng

Company: Capitec Bank Ltd
Position: Business Banker
Location: Bedfordview, Gauteng, South Africa
Job Type: Full-Time
Industry: Banking and Financial Services
Application Status: Open

About Capitec Bank

Capitec Bank is one of South Africa’s leading retail and business banks, known for delivering simplified, affordable, and innovative banking solutions. The bank is seeking a skilled and customer-focused Business Banker to join its Business Banking team in Bedfordview. This role offers an excellent opportunity for experienced banking professionals to build lasting client relationships while helping businesses grow through tailored financial solutions.

Job Purpose

The Business Banker will provide a sales and service function within the Business Centre by managing and growing a portfolio of business clients. The successful candidate will identify customer needs, recommend suitable banking products, prepare credit applications, and deliver financial solutions that support business growth while ensuring exceptional customer service.

Key Responsibilities

• Build, manage, and expand a portfolio of business banking clients.
• Develop strong, long-term relationships with business customers.
• Identify business opportunities and recommend appropriate banking products and financial solutions.
• Prepare, analyse, and motivate business credit applications.
• Conduct financial analysis using financial statements, balance sheets, and financial ratios.
• Assess credit risk and evaluate collateral provided by clients.
• Deliver excellent customer service while achieving sales and growth targets.
• Monitor portfolio performance and identify opportunities for cross-selling.
• Maintain compliance with banking legislation, internal policies, and regulatory requirements.
• Control costs and contribute to the profitability of the business portfolio.
• Keep accurate customer records and ensure all documentation meets regulatory standards.
• Stay informed about competitor products and market developments.

Minimum Requirements

• Diploma in Commerce or Finance.
• At least 3 years’ banking experience.
• Experience managing a portfolio of business banking customers.
• Experience in customer relationship management.
• Experience in financial analysis.
• Experience preparing and motivating credit applications.
• Knowledge of cost control and sales management.

Preferred Qualifications

• FAIS accredited as a Key Individual and approved by the FSCA.
• At least 1 year of Business Banking experience preparing and motivating credit applications.
• Additional experience in commercial or business banking environments will be advantageous.

Knowledge Required

Applicants should have knowledge of:

• Customer Relationship Management (CRM) principles.
• Business banking products and transactional services.
• Financial statement analysis and interpretation.
• Balance sheets and financial ratios.
• Business lending and credit assessment.
• Collateral evaluation.
• Business ownership structures including companies, close corporations, partnerships, and sole proprietorships.
• CIPC documentation and business registration requirements.
• Banking regulations and legislation.
• Financial Advisory and Intermediary Services (FAIS) Act.
• Financial Intelligence Centre Act (FICA).
• Competitor banking products and services.
• Taxation principles applicable to business customers (advantageous).
• Business banking administration processes.

• FNB Vacancies: Associate, Administrators, Call Agent, Personal Assistant
• Reception Administrator Vacancy 2026 – Mediclinic
• People Business Partnering Team Administrator – Tiger Brands
• Senior Clerk Job Opportunity at AVBOB (Permanent)
• General Worker Stacker – Opportunity at Premier –

Required Skills

• Excellent communication skills.
• Relationship building and customer service.
• Strong analytical and financial analysis skills.
• Negotiation and influencing skills.
• Commercial awareness.
• Strategic thinking.
• Problem-solving ability.
• Decision-making skills.
• Attention to detail.
• Time management and organisational skills.
• Computer literacy (MS Word, Excel, Outlook, and other banking systems).

Conditions of Employment

• Clear criminal record.
• Clear credit record.
• Willingness to work flexible hours.
• Availability to work Saturdays and public holidays when required.

Why Join Capitec?

Capitec offers employees the opportunity to work in one of South Africa’s fastest-growing banks while developing valuable skills in business banking, relationship management, and financial services. Employees enjoy a collaborative work environment, ongoing learning opportunities, career growth, and the chance to make a meaningful impact on the success of business clients.

Capitec is committed to transformation, diversity, and employment equity. Suitable appointments will support the bank’s Employment Equity objectives where possible.