Business Banking Officer

The purpose of the Higher Occupational Certificate: Business Banking Officer qualification is to prepare a learner to function as a Business Banking Officer. A Business Banking Officer works in financial institutions and manage business portfolios of mainly small enterprises; perform analysis of clients' needs and determine the best options to meet these needs, partner with clients to determine banking financial solutions that will optimise business performance and mitigate risks responsible for building and maintaining relationships with clients in order to grow and retain a quality portfolio of business clients, may also need to negotiate and set terms for loans and other banking solutions and generally work in small teams, so communication, influencing and collaboration skills are necessary in this position. A competent candidate shall demonstrate among others the following attributes: honesty, punctuality, initiative, critical analysis, integrity, ethics, professionalism. A qualified learner will be able to: • Identify Small Enterprise financial service's needs. • Match needs to appropriate financial services solutions that are unique to Small Enterprise Clients. • Grow a portfolio of quality Small Enterprise Clients for the financial institution. • Mitigate and manage the financial risk associated with small enterprise financial services clients.

The Business Banking Officer is intended for individuals with some work experience or prior learning who wish to formalise their skills and advance their careers. If you have a passion for this field and want to turn that passion into a profession, this programme will give you the tools and credentials to succeed. It is also suitable for employers who wish to upskill their workforce to meet industry standards.

Business Banking Officers play a critical role in the establishment, growth, and sustainability of mainly small businesses. They also support businesses in the informal sector, establish, maintain, and grow a portfolio of quality small enterprise clients. As such this job is on the forefront of job creation in South Africa., these Bankers work in financial institutions and are responsible for managing a business loan portfolio that may include small organizations. They are accountable to meet the financial needs of mainly small enterprise business customers in their portfolio. Within the financial sector in South Africa most of the financial institutions provide a dedicated service to small, medium and large enterprises to assist them in obtaining appropriate financial services ranging from basic banking, operational financing, capital financing, insurance supplier payments, employee payments and a host of other business financial services. These services are obviously customised to support the business models of the various financial service institutions and targeted at the specific entities that make up the current and potential client bases of the institutions. The work done by employees, of the financial institutions, to deliver these services is diverse. However, there is a core knowledge and skills base relating to business, legal aspects, client relationships and ethics that run through the competency base required to effectively deliver these services. South Africa currently has a shortage of the specific skills and attributes required for achieving the national development goals. The qualification is intended for new entrants and those in the services of business banking, supporting small business to grow the required competencies in a structured manner.

• Apply the core areas of small formal and informal enterprise business theories and practices.
• Match client financial services needs to appropriate financial services solutions that are unique to Small Enterprise Clients.
• Grow a portfolio of quality Small Enterprise Clients for the financial institution.
• Mitigate and manage the financial risk associated with small enterprise financial services clients.