Universal Banker

SmartRecruiters, Inc.; Paarl; On-site; ZAR 240,000 - 360,000; Full time

Job summary

Standard Bank Group in Paarl is seeking an experienced Universal Banker to engage clients, assess needs and offer tailored banking solutions across branch channels.

You will promote products, manage accounts, and ensure compliance with KYC, POPIA and FAIS while delivering excellent service in a busy branch.

Qualifications

• FAIS Fit and Proper requirements.
• 3–4 years’ experience in a branch banking or client-facing sales environment.
• Strong understanding of banking products, processes and customer acceptance requirements.
• Experience in a regulated environment with risk/compliance controls (KYC/POPIA/FAIS).

Responsibilities

• Engage clients across branch and channels to understand needs and provide banking solutions.
• Identify sales opportunities and promote relevant products to achieve growth objectives.
• Open, amend, transfer and close client accounts per procedures and risk controls.
• Assess client needs using account conduct, income and expenditure data to provide informed recommendations.
• Educate clients on banking processes, digital functionality and service channels.

Skills

Client engagement

Cross-selling

Sales targets achievement

KYC/POPIA knowledge

Education

NQF 5 FAIS-aligned qualification

Job description

• Business Segment: Personal & Private Banking

Company Description

Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

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.

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)

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