Prestige Banking Relationship Banker

We are looking for a Relationship Banker to acquire, grow and retain clients in Prestige Banking, part of Private Banking within Personal and Private Banking South Africa. This is a dynamic sales role, and you own the client journey from acquisition through to growth: securing new clients, deepening relationships through cross-pillar solutions, raising product uptake across lending, transactional and digital banking, and growing the portfolio against allocated growth budgets, through structured needs analyses and exceptional relationship management.
Key responsibilities:
Acquire new Prestige Banking clients through proactive prospecting, referrals and lead management, converting them into fully onboarded, active clients in line with growth budgets
Deepen every relationship through cross-pillar solutions, raising product holding across lending, transactional and digital banking and growing balance sheet and client contribution against allocated budgets
Conduct structured needs analyses and lead proactive holistic client reviews to identify the next opportunity for the client and the bank, retaining the portfolio through consistent service and resolution of service gaps
Work with specialist teams to convert wealth, investment and fiduciary opportunities, such as Trust, Estate Planning and Insure, into client solutions
Recommend lending structures from the client credit profile, prepare quality credit applications and act on client instructions within the defined mandate, keeping the portfolio compliant
Bachelor’s Degree or Advanced Diploma (NQF 7 FAIS-recognised qualification or higher) in a field related to the role
FAIS Representative
Valid driver’s licence and mobility to travel to client sites
Experience required:
3 to 4 years’ experience in sales, service and relationship management in financial services, including at least 1 year managing a portfolio in a private, prestige, premium or wealth banking environment
Proven sales track record, evidencing targets achieved, new clients acquired and growth in products held per client
Client acquisition and business development experience, including prospecting, referral and lead pipeline management, and converting prospects into onboarded clients
Proven ability to deepen product uptake across lending, transactional and digital banking within a client portfolio
Face-to-face client engagement, supported by client relationship management systems and portfolio analytics to prioritise engagement and track performance
Experience partnering with specialist teams to identify and deliver wealth, investment and fiduciary solutions
Experience preparing credit applications, with a working understanding of client balance sheets, affordability, lending structures and the National Credit Act
Behavioural competencies:
Establishing Rapport and Understanding People
Seizing Opportunities and Convincing People
Examining Information and Interpreting Data
Articulating Information and Conveying Self-Confidence
Making Decisions
Providing Insights
Technical competencies:
Client Acquisition and Client Retention
Client Servicing and Service Gap Resolution
Customer Understanding and Product Uptake
Credit Application and Balance Sheet Understanding
Banking Process and Procedures, and Mandate Management
Risk Identification and Risk Awareness

Skills
Business Development

Experience
3-4 yrs

Employment type
Full-time

Work arrangement
No