Universal Banker

Standard Bank Group; Wes-Kaap; On-site; ZAR 350,000 - 500,000; Full time

Job summary

Standard Bank Group seeks an experienced Universal Banker to join their branch in South Africa, Wes-Kaap. You will engage clients, identify their banking needs, and deliver solutions in a compliant manner, contributing to sales growth.

The ideal candidate has 3 to 4 years in branch banking and a proven sales track record. You will educate clients, open accounts, and uphold high compliance standards within a high-performing branch environment.

Qualifications

• 3 to 4 years in branch banking, financial services, or client-facing sales.
• Proven sales track record and ability to identify client needs.
• Strong understanding of banking products and compliance requirements.

Responsibilities

• Engage clients to understand needs and provide banking solutions.
• Identify sales opportunities and promote relevant banking products.
• Maintain accurate records and update management information.

Skills

Client engagement

Sales generation

Banking product knowledge

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.

Minimum Experience

• 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.

Behavioural Competencies

• 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

Technical Competencies

• Application & Submission Verification (Consumer Banking)
• Banking Process & Procedures
• Client Acceptance & Review
• Customer Understanding (Consumer Banking)
• Processing
• Product Knowledge (Consumer Banking)