Universal Banker

Standard Bank Group; Pretoria; On-site; ZAR 180,000 - 260,000; Full time

Job summary

Standard Bank Group seeks an experienced Universal Banker to join the branch team. The role focuses on engaging clients, assessing needs and delivering appropriate banking solutions while meeting regulatory and FAIS requirements.

You will promote products, open and manage accounts, and ensure compliant, quality service across all banking channels. Experience in a regulated, customer-facing environment is essential.

Qualifications

• 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 and account opening processes.

Responsibilities

• Engage clients across branch and related channels to understand needs and provide appropriate banking solutions.
• Identify sales opportunities through client conversations and promote relevant products.
• Open, amend, transfer and close client accounts in line with procedures and compliance.
• Assess client needs by reviewing conduct and information to provide informed recommendations.
• Educate clients on banking processes, digital functionality and their rights.
• Maintain accurate records and contribute to a high-performing branch environment.

Skills

Client engagement

Sales-driven

Communication skills

FAIS knowledge

KYC compliance

Education

FAIS-aligned qualification (NQF5)

Job description

Business Segment: Personal & Private Banking

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.

Additional Information

• 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
• Processing
• 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.