Universal Banker at Standard Bank, Cape Overberg

As a Universal Banker at Standard Bank in Cape Overberg, you will be the frontline face of the branch, helping clients with their banking needs and driving sales growth. This full-time role requires a confident sales consultant who can engage clients across branch and related channels, identify opportunities, and provide suitable banking solutions.

Key Responsibilities:

• Engage clients to understand their needs, resolve queries, and provide appropriate banking solutions in line with service and legislative requirements.
• Expand sales by identifying opportunities through client conversations, promoting banking products, and contributing to branch growth objectives.
• Open, amend, transfer, and close client accounts while adhering to procedures, risk controls, KYC, POPIA, and FAIS requirements.
• Assess client needs by reviewing account conduct, income and expenditure, and scorecards to offer informed recommendations.
• Educate clients on banking processes, digital functionality, self-service channels, and product features.
• Maintain accurate records, update management information, and contribute to a high-performing branch environment.

Application Note: Apply on Standard Bank's official site. You'll apply on the bank's own system.

• National Certificate or equivalent NQF 5 FAIS-aligned qualification in banking, financial services, commerce, sales, client service, or a related discipline.
• Must meet FAIS Fit and Proper requirements.
• 3 to 4 years of experience in branch banking, financial services, contact centre sales, or client-facing sales.
• Proven sales track record with experience identifying client needs, promoting solutions, cross-selling, and achieving targets.
• Strong understanding of banking products, client servicing, account opening, application processing, and customer acceptance requirements.
• Experience in a regulated environment with adherence to risk, compliance, KYC, POPIA, and FAIS requirements.
• 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, following procedures, convincing people, impressing people, seizing opportunities, establishing rapport, interacting with people, inviting feedback, developing expertise, developing strategies, exploring possibilities, generating ideas, taking action, pursuing goals, meeting timescales, embracing change, showing composure, team working, and thinking positively.
• Technical competencies: application and submission verification (consumer banking), banking process and procedures, client acceptance and review, customer understanding (consumer banking), processing, and product knowledge (consumer banking).

• 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.