Senior Property Financial Consultant

Tower Group South Africa (PTY) Ltd; Bloemfontein; On-site; ZAR 300,000 - 400,000; Full time

Job summary

A leading company in home finance is seeking a motivated individual to actively prospect potential home loan clients. The role involves using needs analysis-based selling techniques to provide tailored home finance packages while achieving branch and national targets. The ideal candidate will have a strong sales background, excellent networking skills, and a commitment to exceptional client service.

Qualifications

• At least 2 years proven sales track record with measurable achievements.
• Experience in proactive prospecting in a high-pressure environment.
• Strong administrative skills.

Responsibilities

• Source potential clients through various proactive methods.
• Match relevant product packages to identified client needs.
• Maintain customer contact and follow-up post-deal.

Skills

Sales

Networking

Relationship Building

Needs Identification

Negotiating

Verbal Communication

Credit Analysis

Education

Matric qualification

Job description

To actively prospect potential home loan clients through lead providers (agents and originators), personal marketing, and people engagement opportunities. Use needs analysis-based selling techniques to either switch clients from other financial institutions or offer tailored home finance packages accompanied by our exceptional service.

Alignment to Business Driver / Strategy :

Ensure branch, regional, and national targets are achieved to maximize company profits and shareholder value.

1. Source potential clients
2. Employ proactive prospecting methods: build a strong network through ongoing partnerships and relationship building
3. Use measurable reactive methods such as:

Referral campaigns, personal marketing (shows, expos, mall campaigns), email campaigns, corporate presentations, networking, call duties, social activities, SAPTG letters, flyers, open house days.

1. Identify needs:

• Ask open-ended questions to understand the primary financial and emotional needs of potential clients and actively listen to their responses.
• Pre-qualify clients by understanding their background and linking it to the credit matrix.
• Identify financial challenges faced by the client and their impact.
• If a client does not qualify, keep their details for future follow-up.
• Match relevant product packages to identified needs.
• Use extensive product knowledge to present features and benefits that meet client needs and solve problems.
• Explain the application process clearly.
• Apply correct credit criteria during assessment.
• Draft explanations for any abnormalities in applications.
• Explain the LOA (Final Grant) and close the deal.
• Clarify important figures, conditions, and terminology in the LOA.
• Summarize benefits related to the client's needs and ask for the business to close.
• Maintain customer contact and follow-up post-deal.
• Update clients at every step after the deal is concluded.
• Answer client questions accurately and clearly.
• Keep in contact even after LOA signing.
• Obtain referrals upon LOA signing.
• Ensure application capture and proper filing, including supporting documents for branch administration.

Requirements :

• Own transport/car essential
• Matric qualification

Minimum Experience :

• At least 2 years proven sales track record with measurable achievements
• Experience in proactive prospecting in a high-pressure environment
• Strong administrative skills

Preferred Experience :

• 3 years sales experience, preferably in home loans
• Confident, resilient, persistent, self-reliant, energetic, professional, respectful (cross-cultural), service-oriented, accountable, good time management, outgoing, skilled in prospecting, needs identification, networking, relationship-building, verbal communication, negotiating, and credit analysis.

Company Description

Home finance specialists offering competitive products and an exceptional experience to help clients achieve homeownership goals.