Key ResponsibilitiesTo actively prospect potential home loan clients through lead providers (agents and originators) and personal marketing opportunities. Using appropriate needs analysis based selling techniques, switch clients from other financial institutions or offer new home finance packages tailored to their needs, accompanied by our exceptional service.Alignment to Business Driver/StrategyEnsure that branch, regional, and national targets are achieved, contributing to maximizing company profits and shareholder value.Source potential clients.Using proactive prospecting methods: Create a strong network of potential clients through ongoing partnering and relationship building.Using proven and measurable reactive methods:Referral campaigns, personal marketing opportunities (shows, expos, mall campaigns, etc.), email campaigns, corporate presentations, networking, call duties, social activities, SAPTG letters, flyers, open house days.Identify needs by understanding the primary financial and emotional needs of the potential client through open-ended questions and active listening.Pre-qualify the potential client by understanding their background situation and linking it to the credit matrix.Identify financial problems/challenges faced by the potential client and their impact.If the potential client does not qualify, retain their details for future follow-up.Match relevant product packages to the identified needs.Using product knowledge, present the features and benefits of a product package in a way that meets their needs and solves their problems.Explain the procedure for processing their application.Apply the correct credit criteria when assessing the file.Draft motivations and explanations of any abnormalities for better understanding.Explain the LOA (Final Grant) and close the deal.Summarize the benefits of the relevant product package as it relates to the identified need, then ask for the business.Maintain customer contact and follow-up.Update the client on every step of the process after the deal is concluded.Answer client questions accurately and clearly.Keep in contact with the client even after the LOA has been signed.Obtain referrals from clients upon signing the LOA.Applications capture and file construction.Complete and capture applications.Acquire supporting documents and package the file for Branch Admin.RequirementsOwn transport/car essential.Minimum QualificationMatric.Minimum Experience2 years proven track record in sales (sales leagues/rankings; records & achievements).Experience in an environment requiring proactive prospecting (hunter mentality). Must have worked in a pressurized sales environment.Exceptionally strong admin skill set.Preferred Experience3 years sales experience, preferably in a home loans environment.Generic CompetenciesConfidentResilientSelf-starterPersistentSelf-reliantEnergeticEmpatheticProfessionalRespectful (cross-culturally)Service-orientedPassionateOptimisticHonestTenaciousAccountableTime managementPersuasiveExtroverted (outgoing)Technical CompetenciesProspectingNeeds identificationClosing salesNetworkingRelationship buildingPeople skillsFinancial calculationsVerbal communicationWritten communicationTranslating market trendsNegotiatingCredit analysisListening
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