Banker, Universal at Standard Bank Group

Job Purpose:

• Provides the following services to Personal Banking (PB i.e., Middle and Mass)
• Conducts customer needs analysis for PB customers at the branch and offers solutions to fulfill the customer’s needs.

Output:

Sales:

• Conducts a thorough financial needs assessment and recommends the most appropriate products and services for PB customer’s immediate and future financial needs at the branch.
• Identifies and refers sales leads to other stakeholders including, Vehicle and Asset Finance (VAF), Digital Channel, Card, Home Loans and others.
• Provides input into the marketing plan and campaigns targeted at increasing  PB sales revenue.
• Conducts and drives campaigns at branch, targeted at  PB customers.
• Provides the following services to PB:
• Promote and sell a range of PB product offerings and solutions that meet the financial needs of PB customers (i.e., Middle, Mass).
• Acquire and open new  PB accounts according to customer needs.
• Collaborate with Voice Branch to Cross sell additional products and services to existing and new  PB Clients.

Customer Service:

• Attends to PB and  customer service requests and refer requests outside of scope to the relevant area for example: Home Loans; VAF and follow up on the query resolution in order to provide feedback to the customer.
• Engages with priority clients on a re-active basis as required and ensure that the client need is addressed appropriately by either attending to the request or handing it over to the relationship manager.
• Provides the following service to PB Customers:
• Conducts customer on boarding for PB Clients as per defined processes for new accounts and explain credit loan facility options and qualifying criteria to customers.
• Attends to PB customers on the overflow of customer service requests.

Lending & Risk Management

• Identifies and manages business risks from both a customer and bank perspective by ensuring that appropriate control mechanisms are in place to minimize risk exposure. Example cheque confirmations or verifying signatures.
• Conducts Know Your Customer (KYC) for  PB Clients as per defined guidelines in order to minimise fraud. Reports identified fraudulent incidents immediately.
• Provides the following services to PB customers:
• Guides PB in the completion of credit application information requirements for example balance sheets as part of the application process
• Captures and process scored credit applications for PB Clients within the confidential limit of authority and Behavioural Risk Indicator (BRI) scores and notify customers regarding the approval or decline of credit loan facilities.
• Informs customers of their terms and conditions of credit approval in accordance with the requirements in Standard Bank's policies as well as the Code of Banking practice.
• Actions credit violations reports daily as per laid down procedures for personal lending.

Legislative Compliance & Governance

• Regulations and legislation that specify the identification of customers and related record keeping.
• All applicable local legislative requirements in terms of credit granting, consumer engagement, customer treatment and corporate governance.
• All internal risk related policies and guidelines.

QUALIFICATIONS

First degree in any field of study.

ADDITIONAL INFORMATION

• 3-4 years Proven successful sales track record in sales and service across Personal and Business Banking. 
• Extensive branch and bank product knowledge will be an added advantage.