Universal Banker

About the role

Standard Bank Group is looking for an experienced, client-focused sales consultant 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 grow branch sales while delivering excellent service and 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 products and channels and contribute to branch sales and growth objectives.
• Open, amend, transfer and close client accounts following procedures, risk controls, KYC, POPIA and FAIS requirements.
• Assess client needs by reviewing account conduct, income and expenditure, scorecards and supporting information, then 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, client acceptance and review, consumer banking product knowledge and processing.