Nomzamo Mqamkana

• Working directly with customers to explain and recommend financing options, extended warranties, aftermarket products and other options
• Finding competitive rates to encourage customers to purchase vehicles
• Processing applications for vehicle financing and helping customers get approved
• Verifying that all paperwork is completed correctly and filed properly
• Maintaining strong relationships with lending institutions to have lots of program options and competitive rates
• Seeking out new programs that benefit customers and encourage them to buy
• Ensuring compliance by following all local, state and federal regulations
• Training the sales team on available financing and programs to ensure they promote them to customers

• Working directly with customers to explain and recommend financing options, extended warranties, aftermarket products and other options
• Finding competitive rates to encourage customers to purchase vehicles
• Processing applications for vehicle financing and helping customers get approved
• Verifying that all paperwork is completed correctly and filed properly
• Maintaining strong relationships with lending institutions to have lots of program options and competitive rates
• Seeking out new programs that benefit customers and encourage them to buy
• Ensuring compliance by following all local, state and federal regulations
• Training the sales team on available financing and programs to ensure they promote them to customers

• Provides a consistent customer experience in line with the Small Enterprise Customer Value Proposition
• Provides a second face office-bound (information/ query handling) service point for Entrepreneur customers
• Performs a liaison role between the Business Managers, customers, branches and back office service fulfilment and credit functions
• Interacts with customers to establish financial information requirements
• Accurately and efficiently collates and check securities documentation and mandates for banking facilities
• Analyses business and financial information e.g
• Balance sheets, financial statements and management accounts, to prepare and motivate non-scored credit applications in line with credit requirements
• Processes scored/un-scored credit applications
• Monitors daily excesses to ensure that customer facilities are managed within the parameters set by Credit
• Ensures timeous completion of all credit reviews
• Maintains customer portfolio data to identify opportunities for additional facilities
• Cross-sells additional value adding products and services to existing customers to assist them in growing their businesses
• Identifies and generate sales leads to stakeholders e.g
• Personal Market, Vehicle and Asset Finance; Electronic Banking; Standard Bank Financial Consultants; Standard Bank Insurance Brokers, etc
• Actions credit referrals
• Actions credit violations
• Captures applications for Property Guarantees
• Captures applications for Lease Guarantees
• Ensures efficient and effective completion of Conditions of Approvals (COA)'s.

• Complete all compliance training within laid down timelines
• Creates and maintains a service-orientated environment in the banking hall
• Ensures that staff deals with customers efficiently and effectively
• Ensures that laid-down instructions are adhered to for all routine transactions pertaining to customer enquiry related functions
• Ensures that sales targets are met
• Gains a sound understanding of the different local market segments in the branch's area of operation
• Keeps up to date with changes and developments in the local market/area
• Manages the sales tracking system and provides coaching and feedback to the team
• Coaches the sales team on product knowledge and makes the most of cross-selling opportunities
• Ensures that Tellers, ATM, Foreign exchange differences are reported according to laid down procedures
• Completes documentation with regard to investigations of losses for own area
• Ensures that a ten percent Know Your Customer (KYC) and Account Origination sample check for the correct KYC and account opening documents are conducted on a weekly basis
• Ensures staff awareness in terms of fraud
• Authorises and submits account payments, Staff Expense Claims within authorised limits and ensure they are submitted for payment timeously to Financial Shared Services Unit (FSSU) for payment
• Maintains a record of all invoices paid to avoid duplications
• Recovers sundry expenses, private telephone calls, parking, where applicable
• Monitors revenue and expenditure against budget and ensure that controllable costs are within budget
• Responsible for inspiring, motivating, leading and managing the team
• Responsible for the recruitment, development and retention of relevant skills in order to meet the business needs
• Ensures the effective selection of staff by matching the skills and competencies to the requirements of the job
• Ensures skills assessments and competency-based training takes place as and when required
• Ensure 100% compliance training for all staff
• Builds organisational capabilities through evaluating likely future requirements and ensuring that individuals are provided with the best possible development opportunities in line with these.