Sales Consultant

Purpose

• To promote and sell the bank’s products to client, ensure effective completion of required administration and customer service and satisfaction.

Requirements

• Working knowledge and understanding of ABIL Products, Systems, Policies and Procedures
• RE5
• NQF level 6 (FSB Recognized)
• Grade 12 or equivalent
• 2 - 4 years sales and client service experience.

Skills & Competencies

• Professionalism
• Assertiveness
• Pleasant disposition
• Resilience
• Self Starter
• EmpathyTechnical (COMP)
• Analytical skills
• Client Focus
• Accuracy and speed
• Selling Skills
• Administrative skills
• Interpersonal and communication Skills
• Results orientated
• Computer Literacy
• Numeracy.

Responsibilities

Achievement of all Sales Targets & Growth: 
1. Sell, promote and Market the Banks Products and ensure that the following is achieved:
1.1 Retention of existing clients
1.2 Acquisition of new clients
1.3 Reactivation of dormant client
2. Achieve Sales Target as set by Management (differing targets for branch consultants versus candidate consultants) i.e.
2.1 Minimum set turnover
2.2 Minimum set number of loans sold
2.3 New client targets
2.4 Credit card conversion rate
2.5 Set minimum number of credit cards
2.6 Missed 1st and 2nd instalment at set branch targets

Performance of key sales activities: 
1. Promote and sell new products as the Bank introduce same from time to time
2. Interview Clients to establish the clients needs
3. Phone clients for sales (Tele-Sales)
4. Generate Sales Leads
5. Request referrals from Clients
6. Follow up and make appointments with prospective clients
7. Follow up on status of workflow and applications being processed 
8. Keep the client informed at all times with regards to the loan application status
9. Forward the Loan Application to Administration for process finalisation

Application Administration and Costs: Capturing of Loan Applications:
1. Check loan application documentation for accuracy, authenticity and compliance to Policy and Procedures as well as completeness 
2. Accurately capture all client information on Xiriuz as per loan application and supporting documentation 
3. Suspend or reject loan applications to be re-quoted as and when required
4. Report suspicious or fraudulent loan application documents to the Branch Manager
5. Explain the Loan Application Process to facilitate client understanding of the process
6. Explain Terms and Conditions of Banks Products to clients
7. Issue copy of Contract / Agreement to Client
8. Print loan agreement for client’s signature
9. Correct altered loan application information on Xiriuz sent for rework and reprint for client’s signature
10. Follow up on clients with 1st and 2nd missed instalments.

Client Service: 
1. Project / promote the professional image of African Bank by adhering to the dress code, house keeping, professional behaviour and code of conduct
2. Maintain relationships with internal and external clients
3. Resolve all client related issues according ABIL’s Client Query Resolution Procedures within set turnaround times and keep clients informed
4. Explain compliance requirements to clients and reasons for non approval of a client’s loan applications
5. Maintain professional look and feel of branch (branch neatness and atmosphere)
6. Welcome clients and visitors in a friendly and professional manner

Compliance to Policies and Procedures: 
1. Execute all Branch Consultant related duties and activities in adherence to Internal Audit standards (BPR): 
1.1 Cash Administration
1.2 Compliance, regulatory and Credit Policy
1.3 General Operations

Customer: 
1. Create and maintain productive relationships with internal and external clients by providing advice and assistance
2. Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company polices legislation and regulations
3. Keep the client informed about progress through written communication, telephone communications and/or face to face meetings
4. Build a positive image by exceeding client expectations at all times
5. Treat internal and external customers fairly at all times.