Universal Banker

Standardbankgroup; Bredasdorp; On-site; ZAR 280,000 - 360,000; Full time

Job summary

Standardbankgroup is seeking an experienced Universal Banker to join our branch network. You will engage clients, assess financial needs, and offer suitable banking solutions while ensuring compliance with FAIS, KYC, POPIA and risk controls.

You will also open and close accounts and support sales growth with strong client service. The role focuses on delivering excellent service across branch channels, promoting digital functionality, and maintaining accurate records to support branch

Qualifications

• 3–4 years' experience in branch banking or client-facing sales.
• Proven sales track record identifying client needs and promoting solutions.
• Strong understanding of banking products and account opening requirements.
• Experience in a regulated environment with KYC, POPIA and FAIS compliance.

Responsibilities

• Engage clients across branch channels to understand needs and provide solutions.
• Identify sales opportunities, promote banking products and support growth.
• Open, amend, transfer and close client accounts per procedures and risk controls.
• Assess needs by reviewing accounts and supporting information to provide recommendations.
• Educate clients on banking processes, digital channels and product features.

Skills

Client engagement

Sales targets

Cross-selling

Banking products

Education

National Certificate or FAIS-aligned qualification (NQF5)

Job description

We are looking for an experienced, client-focused sales consultant with a proven sales track record to join our branch banking environment as a Universal Banker. This role is suited to a confident frontline banking professional who can engage clients, identify needs, provide appropriate banking solutions and contribute to sustainable sales growth while delivering excellent client service and meeting all risk, compliance and FAIS requirements.

Key Responsibilities:

• Engage clients across branch and related banking channels to understand their needs, resolve queries and provide appropriate banking solutions in line with service, product and legislative requirements.
• Identify sales and demand generation opportunities through client conversations, promote relevant banking products and channels, and contribute to branch sales and growth objectives.
• Open, amend, transfer and close client accounts in line with laid-down procedures, risk controls, KYC, POPIA and FAIS requirements.
• Assess client needs by reviewing account conduct, income and expenditure, scorecards and supporting information to provide informed recommendations and appropriate solutions.
• Educate clients on banking processes, digital functionality, self-service channels, product features and their rights and obligations in line with the Code of Banking Practice.
• Maintain accurate records, update required management information, adhere to team ways of work and contribute to a high-performing branch environment.

National Certificate or equivalent NQF 5 FAIS-aligned qualification in a field related to banking, financial services, commerce, sales, client service or a related discipline.

The candidate must meet FAIS Fit and Proper requirements.

Minimum Experience:

• 3 to 4 years' experience in a branch banking, financial services, contact centre sales or client-facing sales environment.
• Proven sales track record with experience identifying client needs, promoting solutions, cross-selling and achieving sales or growth targets.
• Strong understanding of banking products, client servicing, account opening, application processing and customer acceptance requirements.
• Experience working in a regulated environment where adherence to risk, compliance, KYC, POPIA and FAIS requirements is critical.
• Confident client engagement capability with the ability to build rapport, ask the right questions, handle pressure and provide practical solutions.

Behavioural Competencies:

• Checking Things, Examining Information and Following Procedures
• Convincing People, Impressing People and Seizing Opportunities
• Establishing Rapport, Interacting with People and Inviting Feedback
• Developing Expertise, Developing Strategies and Exploring Possibilities
• Generating Ideas, Taking Action, Pursuing Goals and Meeting Timescales
• Embracing Change, Showing Composure, Team Working and Thinking Positively

Technical Competencies:

• Application & Submission Verification
• Banking Process & Procedures
• Client Acceptance & Review
• Customer Understanding
• Processing
• Product Knowledge