Job DescriptionKey Responsibilities:To actively prospect potential home loan clients, through lead providers (agents and originators) and through personal marketing and people engagement opportunities, then by using the appropriate needs analysis based selling techniques, either switches them from other financial institutions or to offer them a new home finance packages that is tailor made and accompanied by our Amazing service.Alignment to business driver/Strategy:To ensure that roll up branch, regional and national targets are achieved and hence contribute to maximising 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:(1)Referral campaigns, (2) Personal marketing opportunities i.e.
Shows, Expos, Mall campaigns etc.
(3) Email campaigns, (4) Corporate presentations (5) Networking (6) Call duties (7) Social activities (8) SAPTG letters (9) Flyers (10) Open House DaysIdentify needsIdentify the primary financial and emotional needs of the potential client by asking open ended questions and then actively listening to their responsesPre-qualify the potential client through understanding their background situation and linking it to the credit matrixIdentify the financial problems / challenges faced by the potential client and the impact it is having on themShould potential client not qualify, keep their details for possible future follow-upMatch relevant product package to relevant needUsing outstanding product knowledge, present the features and benefits of a product package to the potential client in such a way that it meets their need and solves their problemsExplain to the potential client the procedure taken to process their applicationApply the correct credit criteria when assessing the fileDrafting motivations and explanations of any abnormalities for better understandingExplain the LOA (Final Grant) and close the dealExplain all the important figures, conditions and terminology in the LOAClose the deal by first summarising the benefits of the relevant product package as it relates to the identified need, then asking for the business Maintain customer contact and Follow-upUpdate the client on every step of the process after the deal is concludedExplain answers to questions from clients accurately and clearlyKeep in contact with the client even after LOA has been signedOn signing LOA, get referrals from client Applications capture and file constructionApplication completed and capturedSupporting documents acquired.
File packaged for Branch AdminRequirements:Own transport/ car essentialMinimum Qualification:MatricMinimum Experience:2 years proven track record in sales (sales leagues / rankings; records & achievements)Must have operated in an environment that requires proactive prospecting (a hunter).
Must have worked in a pressurised sales environmentExceptionally strong admin skill set Preferred Experience3 years Sales experience, preferably in a home loans environmentGeneric Competencies:ConfidentResilientSelf-starterPersistentSelf-reliantEnergeticEmpatheticProfessionalRespectful (cross-culturally)Service orientatedPassionateOptimisticHonestTenaciousAccountableTime managementPersuasiveExtrovert (outgoing)Technical Competencies:ProspectingNeeds identificationClosing salesNetworkingRelationship buildingPeople skillsFinancial calculationsVerbal communicationWritten communicationTranslating market trendsNegotiatingCredit analysisListeningCompany DescriptionHome finance specialists that offer competitive products and an amazing experience to make it easier for our clients to achieve their home ownership goals.