Standard Bank Universal Banker Jobs in South Africa

Standard Bank Universal Banker Jobs in South Africa

Job Purpose

  • To take demand from personal customers for any banking matters ranging from product questions to customer account activities (e.g., opening accounts, statements, debit order information, etc.), whilst forming an accurate assessment and understanding of that demand in order to act on it in a one-and-done manner that consistently delivers what matters to the customer within product and legislative (e.g., FAIS) parameters.

    Key Responsibilities/Accountabilities

  • Take demand and enquiries from customers across all mediums, relating to products, account activities, RCPs, Credit Cards and Overdrafts, and provide them with an immediate response or facilitate the completion of the demand as per the laid down procedures and all regulatory requirements (KYC, POPI etc.) in order to deliver service excellence and therefore contribute to the overall profitability of the branch.

  • Open new accounts (including on-boarding), transfers, amends and closes accounts according to laid down procedures and regulatory requirements.

  • Educate customers on all relevant procedures, system functionalities ( e.g. self-service and IVR) and general information, this includes informing customers of their rights and obligations to the bank in accordance with the Code of Banking Practice.

  • Refer matters outside scoring criteria, with the appropriate information, to the Credit Evaluation Manager for further investigation.

  • Identify demand generation opportunities while conversing with customers and promote the use of multiple branch and non-branch channels to enhance the opportunity for further sales; capture and log the corresponding documentation and customer information as required by policies and regulations.

  • Understand the risks associated with the customer demand and adhere to all risk and compliance requirements when executing on demand.

  • Manage the risks associated with new accounts, mandates and specimen signatures by adhering to risk and compliance requirements (e.g., use of online fingerprint verification, scanning at source, eSign, etc.).

  • Adhere to all required ways of work and team principles to effectively enable a high-performing culture.

  • Facilitate group meetings when required to contribute to collective learning and growth for individuals and teams.

  • Collate information on value, variation and failure
    in the system whilst executing work processes, in order to contribute to development of management information for the department.

  • Analyse data and information in order to develop and apply self-correcting action within scope, to enable constant fulfilment of customer demand.

  • Update capability charts and MIS in order to maintain an accurate database to assist leaders who are required to act on the system.

  • Assess what matters to the customer against the ability of processes and systems to meet the customers demand through the analysis of data, in order to ake recommendations to the Team Lead to act on the system and as further input into the Personal Banking and Product areas.

  • Disclose to customers that he/she is acting under supervision along with other relevant FAIS disclosures and ensures business processes are followed to ensure the customer receives this in writing.

  • Understand a customer's conduct on an account by reading bank statements, verifying the income and expenditure and reading and interpreting of scorecards.

    Minimum Qualification and Experience

  • Personal and Business Banking.

  • Branch Operations.

  • Experience Required: 1-2 years.

  • Relevant FAIS qualification and experience. If no FAIS experience, would then need to operate under supervision. Previous experience in branch banking or contact centre environment with good understanding of bank processes, policies and products.

    Minimum Qualifications

  • Type of Qualification: Secondary/High school/A levels/Matric.

  • Field of Study: Not applicable.

  • Other Minimum Qualifications, Certifications or Professional Memberships: Relevant FAIS qualification.

    How to Apply

  • For more information and job application details, see; Standard Bank Universal Banker Jobs in South Africa

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