Universal Banker Local Market Initiatives Western Cape

We are looking for an experienced, client-focused Universal Banker to support the delivery of sales, service, client experience and operational objectives within a branch and Local Market environment. The role is responsible for engaging with Personal, Prestige and Private Banking clients, understanding their banking needs and resolving client demand in a one-and-done manner where possible. The Universal Banker will also partner closely with the Universal Banking Team Leader to support the execution of Local Market initiatives, identify client growth opportunities, promote appropriate banking solutions and contribute to a high-performing branch environment. The role may require travel within the Local Market from time to time to support client engagement, branch initiatives and business execution.

Engage with clients across branch and digital channels to understand their needs, resolve banking queries, open and maintain accounts and deliver a consistent client experience in line with laid-down procedures. Support the Universal Banking Team Leader in executing Local Market initiatives by identifying client opportunities, supporting sales activity and contributing to the delivery of branch and Local Market objectives. Identify cross-selling and up-selling opportunities through client conversations, promote relevant banking products and services and encourage the use of digital and non-branch channels. Apply risk, compliance and regulatory requirements across all client interactions, including Know Your Customer, Protection of Personal Information, FAIS disclosures, account opening, mandates and application submissions. Analyse client information, account conduct and supporting documentation to make informed recommendations, resolve demand within scope and escalate matters where required. Contribute to a high-performing team culture by following agreed ways of work, supporting team learning, sharing insights and assisting colleagues where needed.

NQF Level 5 FAIS-aligned qualification in a field linked to the role, such as Commerce, Banking, Finance, Financial Planning, Business Management or a related discipline. Must meet FAIS Fit and Proper requirements. FAIS Representative status is required, or the ability to operate under supervision where applicable. A valid driver’s licence is advantageous where Local Market travel is required.

3 to 4 years’ experience in branch banking, frontline banking, client service, sales or a contact centre environment. Good understanding of banking products, account processes, application submissions, client onboarding and laid-down banking procedures. Experience engaging clients to understand their financial needs and identify appropriate banking, lending, insurance, digital or broader financial solutions. Sound working knowledge of risk, compliance and regulatory requirements, including FAIS, Know Your Customer and Protection of Personal Information requirements. Ability to work in a target-driven environment, manage client demand effectively and support team delivery against sales, service and operational objectives.

Additional Information

Adopting Practical Approaches and Following Procedures Articulating Information and Convincing People Challenging Ideas and Exploring Possibilities Generating Ideas and Providing Insights Making Decisions and Producing Output Showing Composure and Understanding People

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