Specialist : Property Finance (FAIS)

Absa Group Limited; Cape Town; On-site; ZAR 200,000 - 300,000; Full time

Job summary

A prominent financial institution in Cape Town is seeking a Specialist in Property Finance to drive the acquisition and registration of new home loans. The role involves managing the entire home loan process while achieving performance targets and delivering exceptional customer service. This position offers high earning potential primarily based on commission, with a requirement for a National Certificate and a minimum of 2 years of experience in banking or financial services.

Benefits

High earning potential

Access to training and support

Qualifications

• Minimum of 2 years’ experience in a sales or customer service role in banking or financial services.
• Proven experience in home loans, mortgage lending, or property finance.
• Knowledge of real estate markets and lending policies.

Responsibilities

• Drive the acquisition and registration of new home loans.
• Manage the home loan process from application to registration.
• Develop and manage relationships with external stakeholders.

Skills

Sales and relationship-building skills

Excellent verbal and written communication

Negotiation and influencing skills

Entrepreneurial thinking

Education

National Certificate or equivalent NQF Level 5 qualification

Further Education and Training Certificate in Business

Job description

Overview

Job title: Specialist : Property Finance (FAIS)
Location: Western Cape, Cape Town
Deadline: December 31, 2025

Job Summary

To drive the acquisition and registration of new home loans by executing targeted sales strategies, cultivating relationships with direct customers and sources, and providing end-to-end customer service. The role involves managing the home loan process from initial application to registration, in line with Absa’s compliance and governance standards. Remuneration is primarily commission-based, offering high earning potential aligned with performance.

Responsibilities

• Execute action plans to meet monthly targets for applications, final grants, attorneys instruct and registrations as per the Performance Development Plan.
• Actively prospect and generate new business using a variety of methods (e.g. cold calling, networking, referrals, real estate agents).
• Engage with existing customers through leads to explore refinancing or re-mortgaging opportunities.
• Visit prospective customers or sources at their preferred location and time to offer personalized mortgage solutions.
• Assist customers in completing and submitting accurate applications with all required documentation to the Production Centre.
• Maintain and monitor the conversion ratios from application to final grant, final grant to instruct and instruct to registration, ensuring alignment with internal standards.
• Track applications and provide regular updates to clients and referral sources.
• Participate in marketing activities such as property shows, auctions, and open house events to grow customer pipeline.
• Monitor competitor activity and proactively adjust sales strategies to gain market share for Absa Home Loans.

Relationship Management

• Develop and manage relationships with external stakeholders including customers, property developers, estate agents, attorneys, and other sources.
• Collaborate with Key Account Managers to onboard developers as approved lead generators and generate consistent deal flow.
• Conduct regular meetings with referral sources to uncover new sales opportunities and resolve service issues.
• Educate business sources on loan products, application processes, and updates to maintain quality submissions and engagement.
• Partner with internal business units to identify cross-sell opportunities and deliver superior business value.

Governance & Compliance

• Ensure all business secured complies with Absa's governance, risk, and compliance frameworks.
• Maintain ethical conduct in all dealings with clients, colleagues, and partners.
• Promptly report any suspicious activities or transactions to the Risk and Compliance Consultant for appropriate action.

Customer Service Excellence

• Provide exceptional service by ensuring all customer documentation is complete and submitted timeously.
• Handle customer queries and complaints swiftly (within 24 hours), keeping clients informed throughout the process.
• Ensure alignment with Treating Customers Fairly (TCF) principles to enhance satisfaction and retention.
• Actively seek feedback and referrals from satisfied clients to grow the customer base.

Education and Experience Required

• National Certificate or equivalent NQF Level 5 qualification (essential)
• Minimum of 2 years’ experience in a sales or customer service role in banking or financial services
• Proven experience in home loans, mortgage lending, or property finance
• Knowledge of real estate markets and lending policies

Knowledge, Skills & Competencies

• Strong sales and relationship-building skills
• Excellent verbal and written communication
• Entrepreneurial thinking with a self-motivated, target-driven mindset
• Strong negotiation and influencing skills
• Professionalism, integrity, and a customer-focused attitude
• Ability to manage multiple stakeholders and navigate complex applications

Remuneration

• Commission-Based: Earnings are based on registered deals (Inc Basic Salary)
• Earning Potential: High earning potential with performance-based incentives
• Access to training, tools, and support to ensure optimal deal closure and client service

Education

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