Universal Banker - Home Loans

About the role

Standard Bank Group is looking for an experienced, client-focused sales consultant with a proven sales track record to join its branch banking environment as a Universal Banker. The role suits a confident frontline banker who can engage clients, identify their needs, provide suitable banking solutions and help deliver sustainable sales growth while meeting risk, compliance and FAIS requirements.

Key responsibilities

• Engage clients across branch and related banking channels to understand their needs, resolve queries and provide banking solutions in line with service, product and legislative requirements.
• Identify sales and demand generation opportunities, promote relevant banking products and channels, and contribute to branch sales and growth objectives.
• Open, amend, transfer and close client accounts in line with procedures, risk controls, KYC, POPIA and FAIS requirements.
• Assess client needs by reviewing account conduct, income and expenditure, scorecards and supporting information to recommend 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 management information, follow team ways of work and contribute to a high-performing branch.

Required profile

• National Certificate or equivalent NQF 5 FAIS-aligned qualification in banking, financial services, commerce, sales, client service or a related field.
• Meets FAIS Fit and Proper requirements.
• 3 to 4 years' experience in branch banking, financial services, contact centre sales or client-facing sales.
• Proven sales track record, including cross-selling and achieving sales or growth targets.
• Experience in a regulated environment where risk, compliance, KYC, POPIA and FAIS matters are critical.

Required skills

• Strong understanding of banking products, client servicing, account opening, application processing and customer acceptance.
• Confident client engagement, rapport building and handling pressure.
• Technical competencies: Application and submission verification, banking process and procedures, customer understanding and product knowledge in consumer banking.