Universal Banker

Standard Bank Group; Hermanus; On-site; ZAR 180,000 - 360,000; Full time

Job summary

Standard Bank Group is seeking a client-focused banking professional to handle enquiries across Personal, Prestige, and Private Banking. You will resolve requests accurately, promote suitable products, and ensure compliant onboarding and documentation.

The role requires FAIS compliance, KYC/POPI adherence, and a track record in sales or service targets within a regulated banking environment. You will operate across branch, call center, and digital channels.

Qualifications

• National Certificate in Banking (NQF 5) or FAIS-aligned qualification in Banking, Finance, Business, or a related field.
• FAIS Representative status is required, in line with FSCA Fit and Proper requirements.
• 1–3 years' experience providing financial services advice within FAIS/FSCA regulatory frameworks.
• 3+ years' banking experience in a regulated financial services environment with client servicing exposure.
• Proven sales track record in banking or financial services, achieving sales/service targets.
• Strong understanding of banking products, client conduct, and end-to-end service processes.

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.

Education

National Certificate in Banking (NQF 5) or FAIS-aligned qualification in Banking, Finance, Business, or a related field

FAIS Representative status

Job description

Business Segment: Personal & Private Banking

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 higherFAIS-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

• Generating Ideas
• Exploring Possibilities
• Providing Insights
• Adopting Practical Approaches
• Banking Process & Procedures
• Client Acceptance & Review
• Product Knowledge (Consumer Banking)

Our Commitment to Diversity, Equity and Inclusion

Standard Bank Group is committed to fair and inclusive employment practices. We aim to build a workforce that reflects the diversity of the communities we serve and welcome applications from candidates of all backgrounds, including people with disabilities. We strive to create an environment where everyone has an equal opportunity to contribute and grow.