Specialist: Property Finance (FAIS)

Absa Group; Gqeberha; On-site; ZAR 30 000 - 60 000; Full time

Job summary

Join a forward-thinking financial institution that is committed to empowering Africa’s future. In this dynamic role, you will deliver exceptional mortgage solutions while building strong customer relationships and achieving sales targets. Your expertise in property finance and customer service will be key to driving growth and ensuring customer satisfaction. This is an exciting opportunity to make a significant impact in a reputable bank that values innovation and diversity. If you are passionate about helping customers and thrive in a fast-paced environment, this position is perfect for you.

Qualifications

• 2 years of experience in Sales and Customer relations in a Banking environment.
• Property Finance experience and understanding of Real Estate markets.

Responsibilities

• Deliver mortgage solutions and achieve sales targets through superior customer service.
• Engage with customers to identify re-mortgage needs and provide advice.

Skills

Selling and Relationship Skills

Communication Skills

Negotiating Skills

Analytical Skills

IT Literacy

Education

National Certificate or equivalent NQF Level 5 Qualification

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

Job description

Empowering Africa’s tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job Summary

Deliver day-to-day knowledge work, in order to execute predefined objectives as per agreed standard operating procedures (SOPs).

Job Description

• Provide customers with a mortgage solution at their convenience and in the process deliver on contracted sales targets through the delivery of superior customer services.
  
  

Key Accountabilities

Accountability : Sales

• Execute action plans in order to meet the agreed and contracted application, Final grant and registration targets as performance development plans
• Prospect for potential direct customers and sources using various methods such as networking, referrals etc.
• Engage with existing customers, identified through the relevant lead generation process, to establish possible re-mortgage needs and provide advice on mortgage lending.
• Travel to and meet with prospective customer and sources, at a place and time of their convenience, providing mortgage customer solutions, assisting in completing and submitting the application with all required supporting documents to the production Centre for processing
• Manage and track all summitted deals into the production Centre by following the prescribed CCC ( Customer Care Centre) tracking process and keep the customer and source informed of the progress and / or status of the application i.e. approved, declined, reasons, etc.
• Maintain agreed conversion ratios on application-to-grant and grant-to-registration as per the Absa Home Loan process
• Track and follow up all deals which have been final granted by following the CCC process and keeping customers and sources informed until deal registration.
• Continuously explore and investigate all opportunities (e.g. Property shows, Auctions, show houses, etc.) in order to increase sources of business and sales intake
• Keep abreast of competitor activate by studying all available information (e.g. newspaper articles, marketing campaigns) in order to proactively offer solutions to customers and sources, securing deals for Absa.
  
  

Accountability: Relationship Management

• Manage and network with external customers and sources to increase sales intake, grants and registrations
• Interact with external sources and liaise with Key Account Managers regarding developers to sign them up as Lead Generators in order to increase sources of business
• Facilitate regular meetings with sources to identify sales opportunities and address services related matters
• Interact with Key Account Managers by scheduling regular one-on-one meetings to explore possible property development opportunities
• Educate and inform source of business on product, process and progress ensuring that they submit a completed application and remind informed
• Engage with other business units and departments to deliver superior business value
  
  

Accountability : Governance

• Ensure that all business secured complies with the governance and compliance framework
• Report any suspicious transaction and / or client to the Risk and Compliance Consultant for further investigation
  
  

Accountability : Customer Services

• Provide superior customer service by proactively and timeously obtaining documentation to ensure complete applications
• Ensure that any query or complaint received from a customer is resolved within 24 hours of receipt and ensure continuous feedback to the customer
• Ensure customer satisfaction by delivering outstanding customer service in line with the TCF (Treating Customers Fairly) principles which will result in increased sales and retention of Home Loans Customers
  
  

Education And Experience Required

• National Certificate or equivalent NQF Level 5 Qualification
• 2 years (Technical / Managerial) experience
• Property Finance experience
• Sales and Customer relations experience in a Banking environment
• Experience in Home Loans or Mortgage environment
  
  

Knowledge & Skills

• Selling and Relationship Skills
• Communication Skills
• Entrepreneurial Thinking
• Negotiating Skills
• Presentation and public speaking skills
• General understanding of banking and financial services
• Interpersonal skills
• IT Literacy
• Marketing Skills
• Analytical Skills
• Understanding of Real Estate and Property Markets
  
  

Competencies :

• Deciding and initiating action
• Coping with pressure and setbacks
• persuading and influencing
• Working with People
• Delivering results and meeting customer expectations
• Achieving personal work goals and objectives
• Entrepreneurial and commercial thinking
• Presenting and communicating information
  
  

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 achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Absa Bank Limited reserves the right not to make an appointment to the post as advertised