Universal Banker Home Loans

Standard Bank Group · Paarl, Western Cape

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Key Responsibilities

Engage clients across branch and related banking channels to understand their needs, resolve queries and provide appropriate banking solutions in line with service, product and legislative requirements.
Identify sales and demand generation opportunities through client conversations, promote relevant banking products and channels, and contribute to branch sales and growth objectives.
Open, amend, transfer and close client accounts in line with laid-down procedures, risk controls, KYC, POPIA and FAIS requirements.
Assess client needs by reviewing account conduct, income and expenditure, scorecards and supporting information to provide informed recommendations and appropriate solutions.
Educate clients on banking processes, digital functionality, self-service channels, product features and their rights and obligations in line with the Code of Banking Practice.
Maintain accurate records, update required management information, adhere to team ways of work and contribute to a high-performing branch environment.

Qualifications

National Certificate or equivalent NQF 5 FAIS-aligned qualification in a field related to banking, financial services, commerce, sales, client service or a related discipline.
The candidate must meet FAIS Fit and Proper requirements.

3 to 4 years' experience in a branch banking, financial services, contact centre sales or client-facing sales environment.
Proven sales track record with experience identifying client needs, promoting solutions, cross-selling and achieving sales or growth targets.
Strong understanding of banking products, client servicing, account opening, application processing and customer acceptance requirements.
Experience working in a regulated environment where adherence to risk, compliance, KYC, POPIA and FAIS requirements is critical.
Confident client engagement capability with the ability to build rapport, ask the right questions, handle pressure and provide practical solutions.