Property Finance Specialist

Absa Group; Umhlanga Rocks; On-site; ZAR 200,000 - 300,000; Full time

Job summary

A leading financial institution in Umhlanga Rocks is seeking a professional to provide mortgage solutions and meet sales targets. Applicants should have a National Certificate and 2-3 years of experience in sales, preferably in residential home loan finance. The role includes engaging with clients and fostering customer satisfaction by adhering to robust service principles.

Qualifications

• A minimum of 2 to 3 years in a sales role.
• A minimum of 2 to 3 years in a residential home loan finance role.

Responsibilities

• Provide customers with mortgage solutions and deliver superior customer service.
• Execute action plans to meet sales targets according to performance plans.
• Engage existing customers to identify re-mortgage needs.

Skills

Sales & Customer Experience

Property Finance knowledge

Communication skills

Entrepreneurial thinking

Digital adoption

Negotiation Skills

Education

National Certificate and NQF level 5 qualification

NQF6 Qualification in Business / Commerce

Further Education and Training Certificate (FETC): Business, Commerce and Management Studies

Job description

Overview

Empowering Africa’s tomorrow, together…one story at a time. With over 100 years of history and a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this growth journey, to reset our future and shape our destiny as an African group.

Job Summary

Provide customers with a mortgage solution at their convenience and deliver on contracted sales targets through superior customer service.

Responsibilities

• Maintain visibility, presence and networks with all internal and external business partners.
• Execute action plans to meet the agreed and contracted application, final grant and registration targets as per performance development plans.
• Engage with existing customers identified through the lead generation process to establish possible re-mortgage needs and provide advice on mortgage lending.
• Travel to meet prospective customers or sources at a convenient time and place, providing mortgage solutions and assisting in completing and submitting the application with all required supporting documents to the Production Centre for processing.
• Manage and track all submitted deals into the Production Centre by following the agreed tracking process and keep the customer and source informed of progress/status.
• Ensure that all business secured complies with governance and compliance framework.
• Maintain agreed conversion ratios on application-to-grant and grant-to-registration as per the Absa Home Loan process.
• Continuously explore opportunities (e.g., property shows, auctions, show houses) to increase sources of business and sales intake.
• Keep abreast of competitor activities to proactively offer solutions to customers and sources.
• Provide superior customer service by obtaining outstanding documentation to ensure complete applications.
• Ensure any customer query or complaint is acknowledged and resolved as per the laid-down process.
• Deliver customer satisfaction by adhering to Treating Customers Fairly principles to increase sales and retention of Home Loans customers.
• Maximise cross-sell opportunities with value-added products such as property insurance, life cover and new-to-bank transactional accounts.

Education And Experience

• Required: National Certificate and NQF level 5 qualification
• Preferred: NQF6 Qualification in Business / Commerce
• Required: A minimum of 2 to 3 years in a sales role
• Preferred: A minimum of 2 to 3 years in a residential home loan finance role

Knowledge & Skills

• Sales & Customer Experience
• Property Finance knowledge
• Communication skills
• Entrepreneurial thinking
• Digital adoption
• Negotiation Skills

Remuneration

A fixed CTC remuneration for months 1 to 4 and thereafter a reduced fixed CTC remuneration with an aligned commission structure.

Education

Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards equitable demographic representation and diversity of the workforce. Absa Bank Limited reserves the right not to make an appointment to the post advertised.