Universal Banker Local Market Initiatives
Financial Services, Banking
Minimum Requirements
- NQF Level 5 FAIS-aligned qualification in a field linked to the role, such as Commerce, Banking, Finance, Financial Planning, Business Management or a related discipline.
- Must meet FAIS Fit and Proper requirements.
- FAIS Representative status is required, or the ability to operate under supervision where applicable.
- A valid driver’s licence is advantageous where Local Market travel is required.
- 3 to 4 years’ experience in branch banking, frontline banking, client service, sales or a contact centre environment.
- Good understanding of banking products, account processes, application submissions, client onboarding and laid-down banking procedures.
- engaging clients to understand their financial needs and identify appropriate banking, lending, insurance, digital or broader financial solutions.
- Sound working knowledge of risk, compliance and regulatory requirements, including FAIS, Know Your Customer and Protection of Personal Information requirements.
- Ability to work in a target-driven environment, manage client demand effectively and support team delivery against sales, service and operational objectives.
- Adopting Practical Approaches and Following Procedures
- Articulating Information and Convincing People
- Challenging Ideas and Exploring Possibilities
- Generating Ideas and Providing Insights
- Making Decisions and Producing Output
- Showing Composure and Understanding People
- Application & Submission Verification (Consumer Banking)
- Banking Process & Procedures
- Client Acceptance & Review
- Customer Understanding ( Consumer Banking)
- Processing
- Product Knowledge (Consumer Banking)
Responsibilities
- Engage with clients across branch and digital channels to understand their needs, resolve banking queries, open and maintain accounts and deliver a consistent client experience in line with laid-down procedures.
- Support the Universal Banking Team Leader in executing Local Market initiatives by identifying client opportunities, supporting sales activity and contributing to the delivery of branch and Local Market objectives.
- Identify cross-selling and up-selling opportunities through client conversations, promote relevant banking products and services and encourage the use of digital and non-branch channels.
- Apply risk, compliance and regulatory requirements across all client interactions, including Know Your Customer, Protection of Personal Information, FAIS disclosures, account opening, mandates and application submissions.
- Analyse client information, account conduct and supporting documentation to make informed recommendations, resolve demand within scope and escalate matters where required.
- Contribute to a high-performing team culture by following agreed ways of work, supporting team learning, sharing insights and assisting colleagues where needed.
