Universal Banker
Financial Services, Banking
Minimum Requirements
- 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.
- 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.
- Checking Things, Examining Information and Following Procedures
- Convincing People, Impressing People and Seizing Opportunities
- Establishing Rapport, Interacting with People and Inviting Feedback
- Developing Expertise, Developing Strategies and Exploring Possibilities
- Generating Ideas, Taking Action, Pursuing Goals and Meeting Timescales
- Embracing Change, Showing Composure, Team Working and Thinking Positively
- Application & Submission Verification (Consumer Banking)
- Banking Process & Procedures
- Client Acceptance & Review
- Customer Understanding ( Consumer Banking)
- Processing
- Product Knowledge (Consumer Banking)
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.
