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 them new home finance packages that are tailor-made and accompanied by our amazing service.Alignment to Business Driver/StrategyTo ensure that branch, regional, and national targets are achieved, thus contributing to maximizing company profits and shareholder value.Source potential clientsUsing 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, and Open House Days.Identify needsIdentify the primary financial and emotional needs of potential clients by asking open-ended questions and actively listening to their responses.Pre-qualify potential clients by understanding their background situation and linking it to the credit matrix.Identify financial problems/challenges faced by potential clients and the impact on them.If potential clients do not qualify, keep their details for possible future follow-up.Match relevant product packages to relevant needs.Using outstanding product knowledge, present features and benefits of a product package to potential clients in a way that meets their needs and solves their problems.Explain to potential clients the procedure taken to process 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.Explain all important figures, conditions, and terminology in the LOA.Close the deal by summarizing the benefits of the relevant product package as it relates to the identified need, then asking for the business.Maintain customer contact and follow-up: Update clients on every step of the process after the deal is concluded.Explain answers to questions from clients accurately and clearly.Keep in contact with clients even after LOA has been signed.On signing LOA, get referrals from clients.Applications capture and file construction: Application completed and captured, supporting documents acquired, file packaged for Branch Admin.RequirementsOwn transport/car essential.Minimum QualificationMatric.Minimum Experience2 years proven track record in sales (sales leagues/rankings; records & achievements).Must have operated in an environment that requires proactive prospecting (a hunter) and 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 managementPersuasiveExtrovert (outgoing)Technical CompetenciesProspectingNeeds identificationClosing salesNetworkingRelationship buildingPeople skillsFinancial calculationsVerbal communicationWritten communicationTranslating market trendsNegotiatingCredit analysisListening
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