Home Loan Specialist

Job Summary

• To recruit and retain Home Loan customers
• To deliver exceptional retail business performance through Home Loan sales & excellent customer service
• To develop and maintain a high profile for Home Loans within a number of branches
• To ensure that all aspects of operational rigour are maintained when involved in the home loan process

Responsibilities

Key accountabilities/Deliverables/Outcomes

Sales and Service   75%

• Drive and deliver exceptional sales performance by identifying and meeting customer’s home loan needs
• Achieve & Exceed Home Loan & Cross Sale Targets
• Utilize the standard sales process to identify customer’s Home Loan requirements
• Facilitate customer understanding of the Home Loan procedure and process
• Champion and manage Home Loan product & channels
• Own and drive the outlet home loan sales objectives/targets
• Maintain Home Loan sales performance statistics for management information usage.
• Manage customer queries and complaints by taking ownership, escalating where necessary and resolving in a timely manner.
• Identify when & where to refer customers to an appropriate area of delivery for other product sales help or advice
• Ensure documentation such as the home loan application and internal submission forms are fully completed & error free.
• Deliver world class customer service practices and ensure adherence to Barclays Service standards.
• Accurate collation and packaging of relevant documents for processing.
• Conduct branch Home Loan marketing campaigns and participate in country level campaigns

 Operational Rigour Practices   15%

• Achieve operational rigour excellence in all aspects of procedures and processes undertaken to ensure satisfactory audit.
• Follow the Retail end to end procedures for Home Loans ensuring new accounts are KYC compliant
• Ensure compliance with operations risk & rigour requirements e.g. Health & Safety standards and security of premises.
• Ensure the Bank’s Home Loan lending criteria is met

Team Working    5%

• Build effective relationships with branch staff and key support functions e.g. service delivery and risk developing networking for potential Home Loan referrals.
• Share knowledge experience and best practice with other team members.
• Provide cover for other Home Loan Advisors at all levels when required.
• Provide honest, direct and constructive feedback to others, as well as progress on leads/referrals.
• Build relationships with external stakeholders to obtain external sales leads and business relationships with third parties.

Self-development 5%

• Agree performance development objectives with the team leader.
• Pursue self-development to increase personal effectiveness, acknowledging strengths and areas for development.

Role/person specification

Qualification

• Bachelor of Commerce or Business Administration, (Banking and Finance/ Marketing)

Experience

• At least 2yrs sales experience in Absa and 5yrs combined with concentration in Mortgage sales.

Knowledge and Skills

• A good understanding of Retail goals & objectives
• A good understanding of the outlet’s objectives – growth of sales, cost control and income contribution
• A thorough understanding of the sales process
• An in-depth knowledge of the Home Loan product and lending policy.
• Good working knowledge of the internal and generic Home Loan, purchasing and related processes.
• A good working knowledge and understanding of relevant Home Loan legislation e.g. KYC, Money laundering, banking code, service standards, health & safety standards etc.
• A working knowledge of the procedure manuals
• A thorough knowledge of the bank’s tariff, products and services
• A thorough knowledge of the bank’s internal departments, systems & procedures as well as risk & rigour requirements.