Universal Banker

Standard Bank of South Africa Limited; Knysna; On-site; ZAR 240,000 - 360,000; Full time

Job summary

Standard Bank of South Africa Limited in Knysna is seeking an experienced Universal Banker to join our branch. You will engage clients, assess needs, and provide suitable banking solutions while ensuring compliance with risk, FAIS, KYC and POPIA requirements.

You will open, amend, transfer and close accounts, promote products, and drive branch sales growth. You will educate clients on digital channels and help them navigate self-service options.

Qualifications

• National Certificate or equivalent NQF 5 FAIS-aligned qualification.
• 3–4 years’ experience in branch banking or client-facing sales.
• Proven sales track record with cross-selling and targets achieved.
• Strong understanding of banking products, KYC and FAIS requirements.
• Experience in risk and compliance with regulatory adherence.
• Confident client engagement and rapport-building abilities.

Responsibilities

• Engage clients across branch and related channels to understand needs and provide solutions per requirements.
• Identify sales opportunities, promote relevant banking products, and contribute to branch growth.
• Open, amend, transfer and close client accounts per procedures, risk controls, KYC/POPIA/FAIS.
• Assess client needs by reviewing conduct and information to provide informed recommendations.
• Educate clients on banking processes, digital channels, features and rights under Banking Code.
• Maintain records, update management information and support a high-performing branch.

Skills

Client engagement

Sales

Cross-selling

KYC compliance

Risk awareness

Education

NQF 5 FAIS-aligned qualification

Job description

Business Segment: Personal & Private Banking

Company: Standard Bank of South Africa

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.

Qualifications

• 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.
• 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.
• 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
• Banking Process & Procedures
• Client Acceptance & Review