Armaans Louw - Regional Business Centre Manager, Capitec Bank

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Work Background

Capitec Regional Business Centre Manager - Vanderbijlpark

Apr. 2023Gauteng, South AfricaTo manage the Business Centre in terms of driving a proactive sales and service culture that will retain and grow the Business Centre client base. Responsible for driving activity, planning and implementing marketing, sales, and support services strategies for the Business Centre. Managing Local Market (MLM) sales principles and practices to manage and optimise retention and growth within the Centre.

FNB South AfricaClient Portfolio Executive

Jan. 2021 - Apr. 2023Vereeniging, Gauteng, South Africa• Track, control, and influence sales activities with the specific aim to increase sales efficiencies of the team. • Achieve net profit growth for the business. • Drive an increase in average balance of specific portfolio of liabilities. • Manage and grow existing clients and grow portfolio through pro-active portfolio management. • Maintain and grow existing clients and grow portfolio through pro-active portfolio management. • Maintain and build relationship for purposes of expectation management, knowledge sharing and integration. • Continuously monitor actual process turnaround times and quality standards and resolve issues speedily to enhance effective client service delivery. • Maximize business portfolio, cross sell opportunities, and strengthen client relationships. • Manage the growth of active customer account base to increase client base. • Analyze and understand complex client needs and provide appropriate solutions through deal structuring. • Initiate, prepare and present credit proposal to the relevant credit committee to secure credit facilities for clients within the credit policy.

FNB South AfricaRelationship Manager

Dec. 2019 - Jan. 2021Vereeniging, Gauteng, South Africa

NedbankBusiness Manager, Commercial

Mar. 2015 - May. 2019Vanderbijlpark Area, South AfricaTo increase Nedbank's market share through acquisition of new clients for the Bank by selling the full suite of banking products. - Manage and deepen Bank's relationship with clients - Deepen Nedbank's share of wallet through cross selling - Achieve or exceed targets by developing and implementing account plans for clients and targetting new business. - Develop an account plan for each client using knowledge of the client's needs and by engaging with relevant stakeholders to identify tailor-made solutions to meet the client's needs. - Achieve economic profit by reviewing pricing annually and making required adjustments. - Meet client and bank needs by confirming that recommended solution is in line with bank guidelines for economic profit; bank business needs and regulations and by managing client expectations. - Manage all risks and ensure compliance by following regulatory requirements and bank's internal policies and procedures; identifying risks and non-compliances and taking corrective action.

NedbankBusiness Manager, Agriculture

Jun. 2014 - Feb. 2015Upington Area, South AfricaServing the agricultural segment. To increase Nedbank's market share through acquisition of new clients for the Bank by selling the full suite of banking products. - Manage and deepen Bank's relationship with clients - Deepen Nedbank's share of wallet through cross selling

NedbankCredit Analyst Agriculture

Sep. 2012 - May. 2014Northern Cape, KimberleyAnalyzing, assessing the risk associate with the lending process. Primarily in the Agricultural Credit Division with Business with maximum turnover of R750,000,000 pa

Standard Bank GroupAccount Analyst, Business/Entrepreneur

Apr. 2010 - Aug. 2012Northern Cape, Upington2nd Face contact and being office bond. Servicing Business customers. Assessing and analyzing financial and applying the principles of lending and making recommendations to credit. Completing FICA and account opening documents for other banking requirements, facilities and services. Cross-selling products to customer. Doing needs analysis and other product requirements.

GWK Beperk/LimitedJunior Internal Auditor

Feb. 2008 - Mar. 2010Northern Cape, DouglasAssessing risk and effective implementation of controls base on pre-determined control and process test. Completing workpapers, writing recommendations and on deviations. Discussing the next route and root causes of deviations.