Title:  Personal Banker: Wernhil

Job Purpose

To create great client banking experiences in a more complex branch environment through digital enablement, advanced selling, servicing, problem solving and client education regarding Nedbank products and services aligned to bank strategy.

Candidates who form part of the designated categories as prescribed in the Affirmative Action Act of 1998 are encouraged to apply.

Job Responsibilities

GROW:

• Own the client request end to end and route for alternative intervention if required. 
• On-board more complex accounts (i.e Home Loans, VAF, Investments).
• Assist clients with basic financial planning and small business services needs, refer in need.
• Manage the sales process and align finacial product, features and benefits to client needs.
• Grow and achieve market share growth by delivering against sales targets; achieve new client acquisition, growth and retention.
• Obtain referrals from existing clients and source leads from other business units.
• Identify cross-selling opportunities through client engagement, quality conversations and the use of data analytics.
• Build, maintain and retain client relationships by keeping clients informed of progress regarding their applications, queries and requests. 
• Use experience and expertise of financial analysis to make credit recommendations.
• Demonstrate an understanding of risk parameters by managing client relationships according to credit principles.

SOLVE:

• Solve advance problems and issues (i.e deceased estates).
• Assess and listen carefully with understanding to establish and clarify client sales and service needs.
• Attend to all enquiries and services relating to client's needs and by offering the right service and solutions.
• Use expertise and relevant insights to solve client needs relating to sales, self-service and digital functionality.
• Authenticate clients, provide client service and meet client's identified needs whilst following relevant processes.
• Increase market share of primary clients by entrenching clients through Core+ needs discussions, salary and debit order switching as well as enrolling clients on the various digital platforms.
• Load cash, balance and provide first line device maintenance and replenishment of consumables of all store devices.
• Ensure all devices are operational during business hours.
• Ensure ATM/ID availability through balancing and loading of cash and attending to down devices by performing first line device maintenance support. 
• Implement and adopt new staff platforms and other tools.
• Leverage sphere of influence and role to make banking simpler for our clients (transition the client)
• Process and administer all cash services (i.e. teller, forex, bulk) by following relevant procedure and policies.

EDUCATE:

• Educate clients and potential clients on how to subscribe and service their account.
• Educate clients on the benefits, convenience, security, digital functionality and features of self-service and alternative cash solutions.
• Drive digital adoption to enable, educate and migrate clients on digital, (i.e. money app, ID devices, video banking) and other sales and service channels.LEAD, RISK & COMPLIANCE
• Identify and recommend opportunities to enhance processes, systems and policies.
• Meet service excellence, teamwork and personal development goals.
• Action control check list applicable to teller, enquiries and foreign functions daily.
• Balance and secure branch stock holding (i.e. cards). 
• Execute on cash management (i.e. Treasury and holdings), cash efficiency and recycling strategies.
• Mitigate risks and meet legislative requirements (i.e. FICA, FAIS and Letter of Authority) by being accredited and updating and maintaining client information.
• Report suspicious transactions.

Essential Qualifications - NQF Level

Minimum Experience Level

Three to six years' Retail/Banking client service, sales, or relationship management experience.

Technical / Professional Knowledge

Behavioural Competencies