Universal Banker

Standard Bank Group; Gauteng; On-site; ZAR 200 000 - 300 000; Full time

Job summary

A leading financial services provider is seeking a dedicated individual for client engagement to deliver seamless banking experiences. The role greatly emphasizes understanding client needs, resolving inquiries efficiently, and complying with regulatory standards. Ideal candidates should possess a National Certificate in Banking or equivalent, alongside 1-3 years of relevant experience. Strong sales abilities and knowledge of banking products are essential for success in this dynamic environment.

Qualifications

• 1 to 3 years’ experience providing financial services advice.
• 3 or more years’ experience in banking within a regulated environment.
• Proven sales track record in a banking or financial services environment.

Responsibilities

• Serve as a primary point of contact for client enquiries.
• Deliver service excellence by resolving client demands efficiently.
• Identify and act on client needs to promote appropriate products.

Skills

Client service excellence

Sales ability

Banking product knowledge

Education

National Certificate in Banking (NQF 5) or higher

Job description

To deliver a seamless, one-and-done banking experience by responding to client enquiries across Personal, Prestige, and Private Banking. The role focuses on accurately understanding client needs, resolving requests efficiently, and identifying opportunities to add value, while ensuring full compliance with product, risk, and legislative requirements.

Key Responsibilities:

• Serve as a primary point of contact for client enquiries across products and account activities, providing accurate, timely resolution across branch, voice, and digital channels.
• Deliver service excellence by resolving client demands in a one-and-done manner while adhering to FAIS, KYC, POPI, and internal risk and compliance standards.
• Identify and act on client needs during interactions by promoting appropriate products, services, and digital channels, contributing to sales growth and client satisfaction.
• Open, amend, transfer, and close accounts in line with laid-down procedures, ensuring accurate onboarding, mandates, and documentation.
• Understand and manage risk by assessing account conduct, client information, and supporting documentation, escalating matters outside mandate where required.
• Educate clients on banking processes, self-service channels, and their rights and obligations under the Code of Banking Practice.

This role requires a dedicated individual who can thrive in a high-pressure environment, consistently delivering excellence in client service and business development while adhering to strict regulatory guidelines and performance metrics.

Qualifications

• National Certificate in Banking (NQF 5) or higher FAIS-aligned qualification in Banking, Finance, Business, or a related field.
• FAIS Representative status is required, in line with FSCA Fit and Proper requirements.

Experience Required:

• 1 to 3 years’ experience providing financial services advice, operating within FAIS and FSCA regulatory frameworks.
• 3 or more years’ experience in banking within a regulated financial services environment, with hands‑on exposure to client servicing and transactional banking.
• Proven sales track record in a banking or financial services environment, demonstrating the ability to identify opportunities, influence client decisions, and consistently achieve sales or service‑driven revenue targets.
• Strong understanding of banking products, client account conduct, and end‑to‑end service processes, with the ability to balance client needs and commercial outcomes.
• Must meet all FSCA regulatory requirements applicable to a FAIS Representative.

Additional Information

• Checking Things
• Developing Expertise
• Developing Strategies
• Banking Process & Procedures
• Client Acceptance & Review
• Processing & Product Knowledge (Consumer Banking)

Are you passionate about Africa's potential? Are you driven to win? At Standard Bank Group, a team of over 50 000 dedicated individuals share one common purpose: Africa is our home, we drive her growth. We believe our people are our greatest asset, and we strive to create a thriving environment where you can bring your whole self to work, pursue your dreams, and see your ideas shape a brighter future for Africa. Join us, if you're ready to turn your passion into impact and make a real difference as part of a dynamic team.