Financial Advisor (FNB Tied Advisor)

firstrand; Cape Town; Hybrid; ZAR 420,000 - 720,000; Full time

Job summary

FirstRand is seeking a Personal Financial Advisor to operate within the FNB branch environment. You will deliver holistic investment and life insurance solutions, leveraging an established client ecosystem, referrals and digital tools to grow your AUM and API while upholding FAIS standards.

The role emphasizes advisory capability, relationship-building and a results-driven approach in a trusted, bank-based distribution network.

Qualifications

• Demonstrated ability to perform financial needs analyses and develop personalised plans.
• Strong knowledge of investment, insurance and wealth products.
• Skilled in consultative selling and converting leads into business.
• Proven relationship-building with clients and stakeholders.
• Excellent communication and client engagement capabilities.

Responsibilities

• Conduct comprehensive financial needs analyses and develop personalised financial plans.
• Recommend investment, insurance and wealth solutions aligned to client objectives and risk profiles.
• Engage customers within FNB branches to build advisory relationships.
• Convert qualified opportunities and referrals into new business.
• Build long-term client relationships through ongoing engagement and reviews.
• Achieve sales, activity, AUM and API targets.
• Maintain accurate client records and compliance documentation.
• Adhere to FAIS requirements and regulatory obligations.

Skills

Financial planning

Investment knowledge

Insurance knowledge

Consultative selling

Relationship management

Communication skills

Compliance awareness

Digital tools

Education

FAIS qualification (NQF5+)

RE5 completed

Class of Business: Investments/Long-Term Insurance

FAIS fit & proper for categories

Job description

Job Description

Join a trusted financial services leader and help clients achieve their financial goals through professional, goal-based financial advice. As a Personal Financial Advisor operating within the FNB branch environment, you will leverage a strong brand, established client ecosystem, referral opportunities and digital tools to deliver holistic investment and life insurance solutions.

About the Opportunity

Build a rewarding advice career with one of South Africa's leading financial services brands. Within the FNB branch network, you will have access to an established client ecosystem, referral opportunities and one of the country's largest banking distribution networks. Leverage FNB's trusted brand, digital advice tools and integrated banking relationships to deliver holistic financial solutions. Partner with branch and staffing solutions stakeholders to identify opportunities and deepen client relationships. Grow a sustainable advice practice through increased Assets Under Management (AUM), Annual Premium Income (API) and client penetration. Enjoy competitive earning potential through commission and advice-fee sharing, while making a meaningful difference in helping clients achieve their financial goals. Make a meaningful difference by helping clients achieve their financial goals through professional financial advice.

What You Will Do

• Conduct comprehensive financial needs analyses and develop personalised financial plans.
• Recommend appropriate investment, insurance and wealth solutions aligned to client objectives and risk profiles.
• Engage customers within FNB branches to build meaningful advice driven relationships.
• Convert qualified opportunities and referrals into new business.
• Build and maintain long-term client relationships through ongoing engagement and financial reviews.
• Achieve agreed sales, activity, AUM and API targets.
• Maintain accurate client records and advice documentation.
• Adhere to FAIS requirements, internal governance standards and regulatory obligations.

What You Will Bring

• Financial planning and needs analysis expertise.
• Strong investment and insurance product knowledge.
• Consultative selling and lead conversion capability.
• Strong relationship-building and stakeholder management skills.
• Excellent communication and client engagement capability.
• Commercial acumen and a results-driven mindset.
• Sound understanding of FAIS and compliance requirements.
• Digital proficiency and the ability to leverage technology-enabled advice tools

You will be an ideal candidate if you have the following:

• Minimum 3 - 5 years financial advisory experience
• Proven track record of achieving sales and business growth targets.
• Demonstrated sales experience in risk and investment products.
• Experience operating in a bank, insurer, or tied advisory environment.
• Exposure to mass market or emerging affluent client segments.
• FSCA-recognised FAIS qualification (NQF Level 5 or higher).
• Regulatory Examination (RE5) completed.
• Fully Fit & Proper compliant (FAIS) for applicable investment and long-term insurance categories - 1.3, 1.4, 1.5, 1.14 and 1.20.
• Fully authorised (not under supervision) for required FAIS subcategories.
• Completed Class of Business (COB): Investments, Long-Term Insurance, Pension Fund Benefits

You will have success if you:

• Are client-centric and passionate about helping clients achieve better financial outcomes.
• Consistently convert opportunities into sustainable business results.
• Build trusted, long-term client and stakeholder relationships.
• Thrive in a target-driven environment and take ownership of your performance.
• Demonstrate professionalism, integrity and strong compliance discipline.
• Embrace digital ways of working, structured processes and continuous improvement.
• Work independently, stay adaptable and maintain high levels of activity and discipline.

All appointments will be made in line with FirstRand Group's Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.