New Opportunities at SA Home Loans

Job Purpose

• Provide advice, guidance, recommendations on the adherence of regulatory compliance practices in client facing divisions (1st line) ensuring compliance regulatory risks are identified, assessed, and reported on for the Group. 
• Be a trusted advisor to 1st line but maintain independence of mind as part of 2nd line.

Job Responsibilities

Operational responsibilities

• Identify and manage all Regulatory requirements of the SAHL Group which includes mortgage providers and insurance companies which offer credit life and homeowners. 
• Manage the completion of all commentary and/or impact assessments request from various Regulatory Bodies including the Prudential Authority, Financial Intelligence Centre, National Credit Regulator and Information Regulator
• Provide expert guidance and recommendation and ensure our adherence to multiple laws and regulations regulating the affairs of the SAHL Group.
• Demonstrate in depth understanding of key legislations such as the NCA, FAIS Act, POPIA, FIC and other applicable laws (including subordinate legislation) that impacts the SAHL Group.
• Conduct compliance regulatory training, keeping Compliance and all internal stakeholders (1st line) informed and updated on regulatory changes and policy requirements.
• Build and maintain trusted relationships with internal stakeholders (i.e., the Division’s 1st line as well as 2nd line functions) by establishing effective partnerships to identify and manage compliance regulatory risks.
• Develop and maintain a clear understanding of the scope and nature of the business conducted by 1st line (business acumen). 
• Develop a solid understanding of all high-risk legislation that applies to the SAHL Group. 
• Keep abreast of all regulatory developments/changes that may potentially impact the SAHL Group and engage with all relevant stakeholders on a timely basis to ensure business readiness and ongoing compliance risk management.
• Contribute to the creation of a compliance culture and compliance awareness in the division by becoming a trusted advisor to 1st line (whilst maintaining independence of mind as part of 2nd line).
• Execute on all Regulatory Compliance projects (end-end) within set timelines.
• Provide advice, guidance and recommendations to 1st and 2nd line on whether regulatory compliance requirements are met.
• Ensure accurate and timely reporting on any non-compliance, the management of compliance risks, and the state of compliance in the division (1st line)
• Provide advice, guidance, and recommendations to stakeholders on the state of regulatory compliance by reporting on how key risks are being managed, highlighting areas that require immediate attention and recommend corrective action to and by stakeholders.
• Present potential compliance regulatory findings to stakeholders through formal engagement. Take an active part in all Regulatory Compliance governance.
• Assist in filing regulatory reports to the respective regulators, keeping the SAHL Group in good standing with regulatory bodies.

Qualification: 

• LLB Degree
• Admitted Attorney
• Member of the compliance institute of SA
• RE5 Accredited: Advantageous 

Minimum experience: 

• 5-7 years’ experience in regulatory compliance position, 3 of which must have been in a managerial role - preferably in financial services (financial products (a) credit and b) insurance) 

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Key Responsibilities:

• Ensure full support is given to the Sales Consultants with regards to home loan applications and client service.
• Ensure all client, consultant and agent relationships are maintained.

Effective Sales Support to Sales Consultants

• Administration

Effective Client Liaison

• Assist with client matters

Adhoc duties

• Relieve the Switchboard when necessary. Assist with existing client matters where these cannot be referred to Administrator.

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.
• Manage your behavior to enhance the reputation and brand of your department and the company at all times
• Comply with all legislation governing the organisation
• Supports and encourages the Amazing service culture

Requirements:

Minimum Qualification:

• Matric

Preferred Qualification:

• Certificate in Business Administration

Experience:

Minimum Experience:

• 2 to 3 years Admin/Sales Support experience in Finance/Banking Industry

Preferred Experience:

• 3 years plus experience in Sales Support in the Finance/Banking Industry

Generic Competencies:

• Strong Admin skills
• Meticulous and organised
• Strong client service focus and good telephone etiquette

Technical Competencies:

• Microsoft suite (Intermediate)
• Data Capturing essential
• Preferably bilingual

go to method of application »

Job Purpose

To assist and support the pre-legal team in consulting with the SAHL defaulting clients. To establish the arrear circumstances of the client, carry out an assessment, negotiate and implement a rehabilitation strategy. To further resolve queries and rehabilitate clients with a Salary with deduction in place. To resolve the arrears within the shortest space of time in order to avoid the account from affecting the Arrears Factor and escalating further.

Alignment to business driver/strategy
Low-cost servicer and originator: providing a quick and efficient service in the department. Improve productivity and business efficiencies. Alignment to the philosophy and delivery of amazing service. To proactively contribute to the profitability of the company, by effectively managing the arrears book and minimize losses.
Key Responsibilities

Minimize the arrears balance

• To use to available tools to establish contact with all clients and to document reasons for nonpayment.
• To exercise sound decision making and judgment when negotiating an offer of arrangement by, reviewing complete status of account in terms of account history, property condition and client’s financial conduct.
• Maintain agreed turnaround times.
• Work with speed and urgency.
• Achieve set/agreed targets per month.
• Raise possible risks and opportunities with your line management.
• Maintain strict compliance in respect of associated mandates, policies, procedures and legislation.

Administration function to support key function.

• Recording and updating of all client and account information and documentation.
• Record and update notes on the system per activity.
• Carrying out all applicable loan servicing queries.
• Attending to all written and verbal communication with professionalism and zero error.
• Effective Cost control: Financial
• Be cautious with costs.
• Excellent time management.
• Proactive and value management of key factors in respect of potential fraud situations/loss areas to ensure SAHL's 100% profit and minimal loss

Minimum Education Qualification:

• Matric

Preferred:

• Certificate/Diploma in Banking/ Debt Collecting

Minimum Experience:

• 1 year Collections Experience in a Home Loan environment.
• Experience in a Call Centre environment.
• Must be fluent/competent in the English spoken and written language.

Generic Competencies:

• Assertive, resilient & ability to handle irate clients.
• Target Driven
• Accuracy and Attention to Detail
• Self-Managed with the ability to work under pressure
• Team Player

Technical Competencies:

• Assertive, resilient & ability to handle irate clients.
• Target Driven
• Accuracy and Attention to Detail
• Self-Managed with the ability to work under pressure
• Team Player

go to method of application »

Job Purpose:

Actively engage in prospecting potential home loan clients by leveraging lead providers (Estate Agents, Bond originators, direct to client) and direct marketing, utilizing needs analysis-based selling techniques. Facilitate the movement of existing home loans from other financial institutions to SA Home Loans or offer tailor-made home finance packages accompanied by exceptional service.

 Source Potential Leads:

• Utilize proactive and reactive prospecting methods.
• Develop a robust network through partnerships and relationship building.
• Execute referral campaigns, outdoor/Mall/Community marketing, social media, corporate presentations, wellness days.

 Identify needs: 

• Employ open-ended questioning to understand clients' financial and emotional needs.
• Pre-qualify clients by assessing their background and linking it to credit health reports and affordability. 
• Identify financial challenges and offer solutions. 
• Ensure proper records of leads and follow ups.

  Match Product Offerings to Needs:

• Utilize extensive product knowledge to present tailored solutions.
• Explain application procedures and apply appropriate credit criteria.
• Provide upfront explanations of situations that need clarity and ensure supporting documents.

 Explain Final Approval and Successful Closing:

• Clarify all terms and conditions of the final offer to client. 
• Summarize benefits of the product package and all relevant conditions.

  Maintain customer contact and Follow-up:

• Keep clients updated throughout the process.
• Provide clear explanations to client inquiries.
• Maintain contact after client has accepted our offer and request referrals.

 Applications capture and file construction:

• Complete and capture applications accurately, based on what the client requires and qualifies for. 
• Compile supporting documents and ensure the file is completed and ready to process.

Minimum Requirements: 

• Own car/transport and valid driver’s license.
• Matric qualification

Minimum Experience: 

• 2 years of successful sales conversions. 
• Experience in proactively prospecting in a pressurized sale environment.
• Strong administrative skills
• Marketing

Preferred Experience: 

• 3 years of sales experience, preferably in home loans.
• Experience in sales within a self-sourcing environment, adept at proactively generating leads.

Generic Competencies: 

• Drive 
• Adaptability 
• Analysing and forming opinions.
• Result-Orientated 
• Persuasiveness

Technical Competencies: 

• Computer skills.
• Planning
• Performing under pressure. 
• Market orientated.
• Accuracy
• Systematic and organized.

go to method of application »

Job Purpose:

Actively engage in prospecting potential home loan clients by leveraging lead providers (Estate Agents, Bond originators, direct to client) and direct marketing, utilizing needs analysis-based selling techniques. Facilitate the movement of existing home loans from other financial institutions to SA Home Loans or offer tailor-made home finance packages accompanied by exceptional service.

 Source Potential Leads:

• Utilize proactive and reactive prospecting methods.
• Develop a robust network through partnerships and relationship building.
• Execute referral campaigns, outdoor/Mall/Community marketing, social media, corporate presentations, wellness days.

 Identify needs: 

• Employ open-ended questioning to understand clients' financial and emotional needs.
• Pre-qualify clients by assessing their background and linking it to credit health reports and affordability. 
• Identify financial challenges and offer solutions. 
• Ensure proper records of leads and follow ups.

  Match Product Offerings to Needs:

• Utilize extensive product knowledge to present tailored solutions.
• Explain application procedures and apply appropriate credit criteria.
• Provide upfront explanations of situations that need clarity and ensure supporting documents.

 Explain Final Approval and Successful Closing:

• Clarify all terms and conditions of the final offer to client. 
• Summarize benefits of the product package and all relevant conditions.

  Maintain customer contact and Follow-up:

• Keep clients updated throughout the process.
• Provide clear explanations to client inquiries.
• Maintain contact after client has accepted our offer and request referrals.

 Applications capture and file construction:

• Complete and capture applications accurately, based on what the client requires and qualifies for. 
• Compile supporting documents and ensure the file is completed and ready to process.

Minimum Requirements: 

• Own car/transport and valid driver’s license.
• Matric qualification

Minimum Experience: 

• 2 years of successful sales conversions. 
• Experience in proactively prospecting in a pressurized sale environment.
• Strong administrative skills
• Marketing

Preferred Experience: 

• 3 years of sales experience, preferably in home loans.
• Experience in sales within a self-sourcing environment, adept at proactively generating leads.

Generic Competencies: 

• Drive 
• Adaptability 
• Analysing and forming opinions.
• Result-Orientated 
• Persuasiveness

Technical Competencies: 

• Computer skills.
• Planning
• Performing under pressure. 
• Market orientated.
• Accuracy
• Systematic and organized.

go to method of application »

Job Purpose:

Actively engage in prospecting potential home loan clients by leveraging lead providers (Estate Agents, Bond originators, direct to client) and direct marketing, utilizing needs analysis-based selling techniques. Facilitate the movement of existing home loans from other financial institutions to SA Home Loans or offer tailor-made home finance packages accompanied by exceptional service.

 Source Potential Leads:

• Utilize proactive and reactive prospecting methods.
• Develop a robust network through partnerships and relationship building.
• Execute referral campaigns, outdoor/Mall/Community marketing, social media, corporate presentations, wellness days.

 Identify needs: 

• Employ open-ended questioning to understand clients' financial and emotional needs.
• Pre-qualify clients by assessing their background and linking it to credit health reports and affordability. 
• Identify financial challenges and offer solutions. 
• Ensure proper records of leads and follow ups.

  Match Product Offerings to Needs:

• Utilize extensive product knowledge to present tailored solutions.
• Explain application procedures and apply appropriate credit criteria.
• Provide upfront explanations of situations that need clarity and ensure supporting documents.

 Explain Final Approval and Successful Closing:

• Clarify all terms and conditions of the final offer to client. 
• Summarize benefits of the product package and all relevant conditions.

  Maintain customer contact and Follow-up:

• Keep clients updated throughout the process.
• Provide clear explanations to client inquiries.
• Maintain contact after client has accepted our offer and request referrals.

 Applications capture and file construction:

• Complete and capture applications accurately, based on what the client requires and qualifies for. 
• Compile supporting documents and ensure the file is completed and ready to process.

Minimum Requirements: 

• Own car/transport and valid driver’s license.
• Matric qualification

Minimum Experience: 

• 2 years of successful sales conversions. 
• Experience in proactively prospecting in a pressurized sale environment.
• Strong administrative skills
• Marketing

Preferred Experience: 

• 3 years of sales experience, preferably in home loans.
• Experience in sales within a self-sourcing environment, adept at proactively generating leads.

Generic Competencies: 

• Drive 
• Adaptability 
• Analysing and forming opinions.
• Result-Orientated 
• Persuasiveness

Technical Competencies: 

• Computer skills.
• Planning
• Performing under pressure. 
• Market orientated.
• Accuracy
• Systematic and organized.

go to method of application »

Job Purpose:

Actively engage in prospecting potential home loan clients by leveraging lead providers (Estate Agents, Bond originators, direct to client) and direct marketing, utilizing needs analysis-based selling techniques. Facilitate the movement of existing home loans from other financial institutions to SA Home Loans or offer tailor-made home finance packages accompanied by exceptional service.

 Source Potential Leads:

• Utilize proactive and reactive prospecting methods.
• Develop a robust network through partnerships and relationship building.
• Execute referral campaigns, outdoor/Mall/Community marketing, social media, corporate presentations, wellness days.

 Identify needs: 

• Employ open-ended questioning to understand clients' financial and emotional needs.
• Pre-qualify clients by assessing their background and linking it to credit health reports and affordability. 
• Identify financial challenges and offer solutions. 
• Ensure proper records of leads and follow ups.

  Match Product Offerings to Needs:

• Utilize extensive product knowledge to present tailored solutions.
• Explain application procedures and apply appropriate credit criteria.
• Provide upfront explanations of situations that need clarity and ensure supporting documents.

 Explain Final Approval and Successful Closing:

• Clarify all terms and conditions of the final offer to client. 
• Summarize benefits of the product package and all relevant conditions.

  Maintain customer contact and Follow-up:

• Keep clients updated throughout the process.
• Provide clear explanations to client inquiries.
• Maintain contact after client has accepted our offer and request referrals.

 Applications capture and file construction:

• Complete and capture applications accurately, based on what the client requires and qualifies for. 
• Compile supporting documents and ensure the file is completed and ready to process.

Minimum Requirements: 

• Own car/transport and valid driver’s license.
• Matric qualification

Minimum Experience: 

• 2 years of successful sales conversions. 
• Experience in proactively prospecting in a pressurized sale environment.
• Strong administrative skills
• Marketing

Preferred Experience: 

• 3 years of sales experience, preferably in home loans.
• Experience in sales within a self-sourcing environment, adept at proactively generating leads.

Generic Competencies: 

• Drive 
• Adaptability 
• Analysing and forming opinions.
• Result-Orientated 
• Persuasiveness

Technical Competencies: 

• Computer skills.
• Planning
• Performing under pressure. 
• Market orientated.
• Accuracy
• Systematic and organized.