Mar 16, 2021

Property Finance Specialist (Home Loans)

  • Absa Group Limited
  • Pretoria, South Africa
Full time Finance

Job Description

Bring your possibility to life! Define your career with us with over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job Summary:

To provide customers with a mortgage solution at their convenience and in the process deliver on contracted sales targets through the delivery of superior customer service.

Please note that this is a Commission earned base role.
Job Description

Key Accountabilities

Accountability: Sales

Execute action plans in order to meet the agreed and contracted Application, Final grant and Registration targets as per Performance Development plans.
Prospect for potential direct customers and sources using various methods such as networking, referrals etc.
Engage with existing customers, identified through the relevant lead generation process, to establish possible re-mortgage needs and provide advice on mortgage lending.
Travel to and meet with prospective customers or sources, at a place and time of their convenience, providing mortgage customer solutions, assisting in completing and submitting the application with all required supporting documents to the Production Centre for processing.
Manage and track all submitted deals into the Production Centre by following the prescribed CCC (Customer Care Centre) tracking process and keep the customer and source informed of the progress and/or status of the application i.e. approved, declined, reasons, etc.
Maintain agreed conversion ratios on application-to-grant and grant-to-registration as per the Absa Home Loan process
Track and follow up all deals which have been final granted by following the CCC process and keeping customers and sources informed until deal registration.
Continuously explore and investigate all opportunities (e.g. Property shows, Auctions, Show houses, etc.) in order to increase sources of business and sales intake.
Keep abreast of competitor activities by studying all available information (e.g. newspaper articles, Marketing campaigns) in order to proactively offer solutions to customers and sources, securing deals for Absa.

Accountability: Relationship Management

Manage and network with external customers and sources to increase sales intake, grants and registrations
Interact with external sources and liaise with Key Account Managers regarding developers to sign them up as Lead Generators in order to increase sources of business
Facilitate regular meetings with sources to identify sales opportunities and address service related matters
Interact with Key Account Managers by scheduling regular one-on-one meetings to explore possible property development opportunities
Educate and inform Sources of business on product, process and progress ensuring that they submit a completed application and remain informed
Engage with other business units and departments to deliver superior business value
Accountability: Governance

Ensure that all business secured complies with the governance and compliance framework.
Report any suspicious transaction and/or client to the Risk and Compliance Consultant for further investigation
Accountability: Customer Service

Provide superior customer service by proactively and timeously obtaining outstanding documentation to ensure complete applications
Ensure that any query or complaint received from a customer is resolved within 24 hours of receipt and ensure continuous feedback to the customer
Ensure customer satisfaction by delivering outstanding customer service in line with the TCF (Treating Customers Fairly) principles which will result in increased sales and retention of Home Loans customers

Education and Experience Required

National Certificate or equivalent NQF level 5 qualification
2 years (Technical/Managerial) experience
Property Finance experience
Sales and customer relations experience in a Banking environment
Experience in Home Loans or mortgage environment

Knowledge & Skills:

Selling and relationship skills
Communication skills
Entrepreneurial thinking
Negotiating skills
Presentation and public speaking skills
General understanding of banking and financial services
Interpersonal skills
IT literacy
Marketing skills
Analytical skills
Understanding of Real estate and property markets


Deciding and initiating action
Coping with pressure and setbacks
Persuading and influencing
Working with people
Delivering results and meeting customer expectations
Achieving personal work goals and objectives
Entrepreneurial and commercial thinking
Presenting and communicating information


Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)

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