Account Analyst ( Capitec Bank Ltd)
Job Overview
- Job Title: Account Analyst
- Company: Capitec Bank Ltd
- Location: Bloemfontein, South Africa
- Job Type: Full-Time | Permanent
- Experience Level: Mid-Level
- Industry: Banking / Financial Services
- Functional Area: Business Banking / Client Support / Credit Analysis
- Application Deadline: Not specified (Apply ASAP)
- Posted: 3 days ago
Job Description
Capitec Bank is seeking an energetic, self-motivated Account Analyst to join the Business Banking team in Bloemfontein. The role is designed to provide centralised, office-based support for business clients through client service, administration, credit analysis, and portfolio monitoring. The ideal candidate is client-focused, detail-oriented, and experienced in the business banking environment, with a strong understanding of credit principles and financial analysis.
Key Responsibilities
Serve as a central contact point for client service requests and account administration.
Monitor and manage the performance of loan facilities in the portfolio on a daily basis, ensuring compliance with terms and conditions.
Assist with preparation and motivation of credit applications and facility reviews.
Identify cross-selling opportunities to add value to client relationships.
Support business bankers by ensuring all administrative aspects of accounts are handled efficiently.
Maintain accurate client records and follow up on outstanding documentation.
Ensure compliance with regulatory requirements, including FICA and internal procedures.
Experience Requirements
Minimum:
5+ years of total experience, with at least 1 year in a Business Banking environment.
Solid experience preparing and motivating credit applications.
Qualifications
Minimum:
Diploma in Commerce or Banking
Ideal/Preferred:
Bachelor’s Degree in Banking or Commerce
Knowledge Requirements
Essential:
Business banking products, services, and value propositions.
General banking procedures and client relationship management.
Business and industry risk understanding.
Credit principles, security structures, and balance sheet analysis.
The Financial Intelligence Centre Act (FICA) compliance.
Administration processes related to business banking.
Preferred:
Competitor banking product/channel knowledge.
Experience with Capitec systems and business banking processes.
Skills & Competencies
Strong communication and interpersonal skills
Analytical thinking and problem-solving
Planning, organising, and coordination abilities
Negotiation and client service mindset
Conditions of Employment
Must have a clear criminal and credit record
Must complete a short online assessment as part of the application process
Diversity Commitment
Capitec is committed to employment equity. All appointments will support the bank’s transformation goals where feasible.