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Property Finance Consultant

Reference SAPF-0176
Company
Region KZN
City Durban
Contract Permanent
Hours Full time
Category Financial & Accounting
Salary Negotiable
Apply By 2018-12-03
Job Commences 2018-11-06

Introduction

We are seeking a Property Finance Consultant in the Durban area.

Description

Duties (will include but not limited to):   

  • To actively prospect potential home loan clients, then by using the appropriate needs analysis based sales techniques, either switches them from other financial institutions or to offer them a new home finance package that is tailor made and accompanied by amazing service

Alignment to business driver/strategy

  • To ensure that roll up branch, regional and national targets are achieved and hence contribute to maximizing company profits and shareholder value

Source potential clients

  • Using proactive prospecting methods: Create a strong network of potential clients through ongoing partnering and relationship building; information mining; conducting corporate presentations, outbound calls, social activities, etc.
  • Using measurable reactive methods:
  • SAPTG letters, flyers, fax mark marketing initiatives, call duties, referral campaigns, etc.

Identify needs

  • Identify the primary financial and emotional needs of the potential client by asking open ended questions and then actively listening to their responses
  • Pre-qualify the potential client through understanding their background situation and linking it to the credit matrix
  • Identify the financial problems / challenges faced by the potential client and the impact it is having on them
  • Should potential client not qualify, keep their details for possible future follow-up

Match relevant product package to relevant need

  • Using 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 problems
  • Explain to the potential client the procedure taken to process their application
  • Apply the correct credit criteria when assessing the file

Explain the LOA and close the deal

  • Explain all the important figures, conditions and terminology in the LOA
  • Close the deal by first 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 the client on every step of the process after the deal is concluded
  • Explain answers to questions from clients accurately and clearly
  • Keep in contact with the client even after LOA has been signed
  • On signing LOA, get referrals from client

Applications capture and file construction

  • Application completed and captured
  • Supporting documents acquired
  • File packaged for Branch Admin

Aligned to values and self-development

  • Align personal values and team values to the company's culture and values
  • Take responsibility for your personal development and career pathing
  • Subscribe to the company's code of ethics and ensure that all employees do the same
  • Manage team's behaviors to enhance the reputation and brand of your department and the company at all times
  • Comply with all legislation governing the organization
  • Supports and encourages the amazing service culture

Education

Minimum Requirements:

  • Matric
  • Minimum 2 years proven track record in sales (sales leagues / rankings; records and achievements)
  • Must have operated in an environment that requires proactive prospecting (a hunter)
  • Must have worked in a pressurized sales environment
  • Exceptionally strong admin skill set
  • 3 years Sales experience, preferably in a home loans environment

Competencies:

Generic:

  • Confident
  • Resilient
  • Self-starter
  • Persistent
  • Self-reliant
  • Energetic
  • Empathetic
  • Professional
  • Respectful (cross-culturally)
  • Service orientated
  • Passionate
  • Optimistic
  • Honest
  • Tenacious
  • Accountable
  • Time management
  • Persuasive
  • Extrovert (outgoing)

Technical:

  • Prospecting
  • Needs identification
  • Closing sales
  • Networking
  • Relationship building
  • People skills
  • Financial calculations
  • Verbal communication
  • Written communication
  • Translating market trends
  • Negotiating
  • Credit analysis
  • Listening

How to Apply

Please forward your CV to shenice@myfuturecareer.co.za Should you not be contacted within two weeks, kindly consider your application unsuccessful.