Universal Banker

Standard Bank Group; Knysna; On-site; ZAR 260,000 - 380,000; Full time

Job summary

Standard Bank Group in Knysna seeks a customer-focused Banking Consultant to engage clients across branch channels, identify needs, and promote banking solutions in line with service, product and regulatory requirements.

You will handle account openings and changes, review income and expenditure to tailor recommendations, and educate clients on digital tools and their rights under the Code of Banking Practice. FAIS and KYC compliance are essential.

Qualifications

• National Certificate or equivalent NQF 5 FAIS-aligned qualification in banking or related field.
• Must meet FAIS Fit and Proper requirements.
• 3–4 years' experience in branch banking or client-facing sales.
• Proven sales track record with cross-selling and meeting targets.
• Strong understanding of banking products, account opening, and processing.

Responsibilities

• Engage clients across branch and related channels to understand needs and provide suitable banking solutions.
• Identify sales opportunities through client conversations and promote banking products.
• Open, amend, transfer and close client accounts per procedures and regulatory requirements.
• Assess client needs by reviewing account conduct and supporting information to provide recommendations.
• Educate clients on banking processes, digital tools, features, and rights under the Code of Banking Practice.
• Maintain accurate records and contribute to a high-performing branch environment.

Skills

Sales experience

Client engagement

Education

FAIS-aligned NQF5 qualification

Job description

Business Segment: Personal & Private Banking

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.
• Examining Information and Checking Things
• Developing Expertise and Developing Strategies
• Exploring Possibilities and Generating Ideas
• Embracing Change and Seizing Opportunities
• Establishing Rapport, Interacting with People and Team Working
• Taking Action, Pursuing Goals and Meeting Timescales
• Banking Process & Procedures
• Client Acceptance & Review
• Processing
• Product Knowledge (Consumer Banking)

Additional Information

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.