32 jobs found in kwazulu natal

Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We continually need talented and resourceful individuals to help us fulfil our business objectives and build customer loyalty. Job Purpose The Universal Banker Learnership As one of the oldest and most successful financial institutions in the country, we're always looking to hire dedicated, ambitious men and women to fill key future roles in our ever-growing organisation. If you are interested in engaging with customers and solving their problems, this learnership is an ideal opportunity to enter the world of banking. Designed to help you gain valuable work experience in customer interactions and transactional banking, you will have a unique opportunity to gain experience in various frontline roles including telling, foreign exchange and private banking. In addition, you will complete a qualification in Banking at an NQF level 6. This will enable you to become FAIS accredited and access banking employment across South Africa. Learnership Details: Start Date: 01st May 2020 End Date: 31st October 2021 Qualification: Advanced Certificate in Banking Services (NQF6) Learner Allowance: R5000 per month Location: Across South Africa Minimum Requirements: The candidate must: Be a South African Citizen Be between the ages of 18 and 30 Be able to speak, read and write English Have completed a post-Matric 3-year Finance/Banking related qualification Be computer literate Not be permanently employed Not be studying at any other institution Not be registered on any other learnership. Branches: Areas of Focus for the Learnership Dolphin/Ethekwini/Hibiscus, Drakensberg, Msunduzi, Zululand Key Responsibilities/Accountabilities Designed to help you gain valuable work experience in customer interactions and transactional banking, you will have a unique opportunity to gain experience in various frontline roles including telling, foreign exchange and private banking. In addition, you will complete a qualification in Banking at an NQF level 6. This will enable you to become FAIS accredited and access banking employment across South Africa. Preferred Qualification and Experience Learnership Details: Start Date: 01st May 2020 End Date: 31st October 2021 Qualification: Advanced Certificate in Banking Services (NQF6) Learner Allowance: R5000 per month Location: Across South Africa Knowledge/Technical Skills/Expertise Minimum Requirements: The candidate must: Be a South African Citizen Be between the ages of 18 and 30 Be able to speak, read and write English Have completed a post-Matric 3-year Finance/Banking related qualification Be computer literate Not be permanently employed Not be studying at any other institution • Not be registered on any other learnership.

Overview You are responsible for the co-ordination of operational activities within a multi-disciplined environment, assuming full responsibility for all key performance indicators. Purpose and Objectives To effectively manage and control inventory systems and processes The achievement of budgeted and agreed financial targets To ensure effective utilisation of all people resources to drive productivity to targets To control and ensure accountability for damage and poor maintenance of company assets (scanners, machines, racking, etc) To analyse, interpret and report business information in order to facilitate process improvement and improved financial performance To engage, network and communicate with internal stakeholders, vendors, suppliers and stores to ensure swift query resolution and ensure improved business performance To deliver high levels of service to stores through accurate, on time deliveries, minimal damages and effective communication To enforce adherence to safety procedures, co-ordinate and manage emergencies ensuring a safe working environment To lead and direct the department to achieve consistent process compliance and adherence to all relevant company SOPs, cutoffs and daily reports To ensure weekly meetings with labour brokers to address poor performance, damage to property and or stock, short supply of labour, scheduling issues and control and approval of costs Requirements Qualification and Experience Required: Essential: Matric Essential: National Diploma in Operations Management; B. Tech Degree in Logistics Management or the equivalent qualification Essential: 5 Years experience within Operations, including stock management, Health and Safety, productivity measures Essential: 5 Years Warehouse Management experience, including SOP implementation, staff management, reporting, analysis, supplier/customer dealings, risk assessment, productivity improvements , cost improvements Essential: Good technical warehouse experience, including stock flow Essential: 2 Years Warehouse Automation, including induction, technical fault finding Job Knowledge and Related Skills: Knowledge of warehouse procedures (receiving, pack away, replenishment and checking and packing) Business and management principles involved in resource allocation, human resources modelling, leadership techniques, co-ordination of people and resource Product Knowledge (hazardous, scheduled etc) Special handling of stock (HFD - Habit forming drugs, Cytotoxic) Standard operating procedures (SOP's for Pharmaceutical Wholesale) Knapp and OSR (WHS automation) reporting system. Good organisational and planning skills Excellent written and verbal communication Good attention to detail and accuracy Analysing of operational statistics Persuading and Influencing others Computer literacy (Minimum Intermediary level Excel and PowerPoint skills) Continuous process improvement Competency Requirements Delivering Results and Meeting Customer Expectations Leading and Supervising Persuading and Influencing Planning and Organising Adhering to Principles and Values Deciding and Initiating Action Analysing · Following Instructions and Procedures All positions will be filled in accordance with our Employment Equity plan. We also encourage people with disabilities to apply. Kindly note only applicants who meet the minimum requirements will be contacted

Job Details Retail & Business Banking Job Purpose To maintain customer relationships with cash centre customers in order to ensure that the service deliveries are met. To action and resolve customer queries within agreed turnaround times. Key Responsibilities/Accountabilities Key responsibilities Inbound queries Receives customer queries via telephone, fax, email and Gijima. Ensures that the customer query is loaded and closed on Gijima. Identifies the root cause of the query in order to investigate and resolve the query. Obtains relevant information regarding the query from the relevant systems, departments, branches or Integrated Processing Solutions (IPS) and provides feedback or messages are communicated. Records necessary information accurately (e.g. register of unpaid cheques, differences). Recovers revenues for relevant charges. Compiles a differences report for relevant customers. Contacts customers for the relevant information before expunging the entries from credits outstanding. Performs goodwill payment upon authorisation from management, if procedures were not followed when processing customer's deposits. Captures necessary transactions to losses for entries outside of service level agreements (SLAs). Processes necessary reversals in respect of tellers' errors in capturing customer's deposits. Ensures that the cash deposit fee is calculated and is reversed due to duplications and incorrect capturing. Ensures that relevant authorisation is received in order to recover misposted funds from relevant third parties. Ensures customers receive appropriate feedback in the format that the customer requested (telephone call, email, letter, etc.). Ensures that laid-down instructions are adhered to while providing excellent service. Compiles daily MIS stats and reports for management. Provides resolution on queries such as: o Account not credited o Account credited incorrectly o Account credited late o Copy credits o Incorrect referencing on statements o Penalty fees charged o Deposit details o Dispute difference o Cash deposit fee reversals o Canisters not received o Change not received o Cash upload and AutoSafe queries o Cash In Transit queries Educates customers on cash centre requirements, processes and procedures. Outbound queries Receives altered deposit slips from the teller. Contacts the customer to inform him/her of the difference on the deposit slip. Ensures the differences are recorded on the system. Scans all altered deposit slips and e-mails scanned altered deposit slips to the customer. Disputed differences are then investigated by requesting video footage of the teller transaction. Informs customers when tellers are unable to open canisters. Ensures that a locksmith is arranged and escorted to the walk-in customer area. Ensures that the reconciliation of banking for specialised deposits is undertaken and communicated to the relevant customers. Investigations Receives the Cash In Transit (CIT) receipt from the customer. Ensures the relevant information is extracted from Cash Centre Management System (CCMS), NDS and the relevant area within the cash centre. Provides relevant information (camera number, workstation number, time and teller) to Enterprise Building Integrator (EBI) to retrieve camera footage. Tracks and views the transaction from start to end using the camera footage and ensures the footage is suitable for the customer to view. Ensures that the necessary processes and procedures are adhered to by the teller when viewing the footage. • Ensures that the teller has balanced at the end of the day and that there are no differences in payout to treasury. • Ensures that an appointment is arranged for the customer to view the camera footage and ensures access is arranged for the customer to enter the cash centre. • Views the footage with the customer and responds to relevant questions. • Closes the query if the customer is satisfied and escalates to management if the customer is unhappy with the footage. • Assists with the drafting of correspondence (email, fax or feedback letters) to customers regarding the outcome of investigations. • Assists in communicating new process and process changes to customers. Key performance measure Service/customer • Decreased customer complaints through the accurate resolution of queries within turnaround times • Process improvement to enhance customer experience • Professional interaction with customers Internal processes • Accurate processing of customer queries within turnaround times • Accurate recovery of charges and penalties • Accurately captures relevant information submitted to customers • Queries captured accurately and timeously • Operating efficiently and effectively • Adherence to procedures according to Group Reference Guide (GRG) and laid-down procedures and processes Financial • Overtime minimised • Timeous and accurate recovery of charges • Losses kept to a minimum Preferred Qualification and Experience • Matric certification • 2-3 years' cash centre experience • Experience in resolving customer queries Knowledge/Technical Skills/Expertise • Knowledge of all processing areas in the cash centre • Knowledge of banking solutions available to cash centre customers • Knowledge of the bank's laid-down procedures and processes • Knowledge of systems used in the cash centre

Job Details Retail & Business Banking Job Purpose To maintain customer relationships with cash centre customers in order to ensure that the service deliveries are met. To action and resolve customer queries within agreed turnaround times. Key Responsibilities/Accountabilities Key responsibilities Inbound queries Receives customer queries via telephone, fax, email and Gijima. Ensures that the customer query is loaded and closed on Gijima. Identifies the root cause of the query in order to investigate and resolve the query. Obtains relevant information regarding the query from the relevant systems, departments, branches or Integrated Processing Solutions (IPS) and provides feedback or messages are communicated. Records necessary information accurately (e.g. register of unpaid cheques, differences). Recovers revenues for relevant charges. Compiles a differences report for relevant customers. Contacts customers for the relevant information before expunging the entries from credits outstanding. Performs goodwill payment upon authorisation from management, if procedures were not followed when processing customer's deposits. Captures necessary transactions to losses for entries outside of service level agreements (SLAs). Processes necessary reversals in respect of tellers' errors in capturing customer's deposits. Ensures that the cash deposit fee is calculated and is reversed due to duplications and incorrect capturing. Ensures that relevant authorisation is received in order to recover misposted funds from relevant third parties. Ensures customers receive appropriate feedback in the format that the customer requested (telephone call, email, letter, etc.). Ensures that laid-down instructions are adhered to while providing excellent service. Compiles daily MIS stats and reports for management. Provides resolution on queries such as: o Account not credited o Account credited incorrectly o Account credited late o Copy credits o Incorrect referencing on statements o Penalty fees charged o Deposit details o Dispute difference o Cash deposit fee reversals o Canisters not received o Change not received o Cash upload and AutoSafe queries o Cash In Transit queries Educates customers on cash centre requirements, processes and procedures. Outbound queries Receives altered deposit slips from the teller. Contacts the customer to inform him/her of the difference on the deposit slip. Ensures the differences are recorded on the system. Scans all altered deposit slips and e-mails scanned altered deposit slips to the customer. Disputed differences are then investigated by requesting video footage of the teller transaction. Informs customers when tellers are unable to open canisters. Ensures that a locksmith is arranged and escorted to the walk-in customer area. Ensures that the reconciliation of banking for specialised deposits is undertaken and communicated to the relevant customers. Investigations Receives the Cash In Transit (CIT) receipt from the customer. Ensures the relevant information is extracted from Cash Centre Management System (CCMS), NDS and the relevant area within the cash centre. Provides relevant information (camera number, workstation number, time and teller) to Enterprise Building Integrator (EBI) to retrieve camera footage. Tracks and views the transaction from start to end using the camera footage and ensures the footage is suitable for the customer to view. Ensures that the necessary processes and procedures are adhered to by the teller when viewing the footage. • Ensures that the teller has balanced at the end of the day and that there are no differences in payout to treasury. • Ensures that an appointment is arranged for the customer to view the camera footage and ensures access is arranged for the customer to enter the cash centre. • Views the footage with the customer and responds to relevant questions. • Closes the query if the customer is satisfied and escalates to management if the customer is unhappy with the footage. • Assists with the drafting of correspondence (email, fax or feedback letters) to customers regarding the outcome of investigations. • Assists in communicating new process and process changes to customers. Key performance measure Service/customer • Decreased customer complaints through the accurate resolution of queries within turnaround times • Process improvement to enhance customer experience • Professional interaction with customers Internal processes • Accurate processing of customer queries within turnaround times • Accurate recovery of charges and penalties • Accurately captures relevant information submitted to customers • Queries captured accurately and timeously • Operating efficiently and effectively • Adherence to procedures according to Group Reference Guide (GRG) and laid-down procedures and processes Financial • Overtime minimised • Timeous and accurate recovery of charges • Losses kept to a minimum Preferred Qualification and Experience • Matric certification • 2-3 years' cash centre experience • Experience in resolving customer queries Knowledge/Technical Skills/Expertise • Knowledge of all processing areas in the cash centre • Knowledge of banking solutions available to cash centre customers • Knowledge of the bank's laid-down procedures and processes • Knowledge of systems used in the cash centre

Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful individual to help us fulfil our business objectives and build customer loyalty. Job Purpose To achieve Commercial Asset Finance (CAF) sales performance objectives by implementing approved asset-based finance transactions to both new and existing customers for allocated portfolio within a province across segments and sectors. • To maintain post-sales relationships with customers whilst identifying further asset-based finance and retention opportunities in conjunction with the Relationship Managers. Key Responsibilities/Accountabilities Pre - Sales • Identifies and assesses new market opportunities for asset finance within the portfolio of existing RBB and Commercial Banking customers in conjunction with the Relationship teams (e.g., Business Managers, Relationship Managers, Account Executives). Provides SME support to the Relationship teams in the selling of asset-based finance to non-Standard Bank customers within the appropriate market segment. Actively refers sales leads to the Relationship teams. Assesses market opportunities with regards to external supplier, manufactures and alliance sales sources by remaining in touch with market forces and influences. Develops and maintains relationships with supplier, manufacturer and alliance partners with a view to gaining access to new customers that are currently not Standard Bank customers. Engages in regular dialogue with Relationship teams with respect to the bank's appetite for business with existing customers who continue to seek finance through suppliers, manufactures and alliance partners. Validates that customers who wish to finance an asset through the external market have no touch points with RBB. If a touch point exists, informs the Relationship team of the client's intention to finance certain assets prior to visiting the client's site. Sales and Sales Execution Conducts client site visits when receiving a potential lead from the Relationship teams or the Alliance marketer in the external environment. In the Joint Venture and Alliance environment, generates potentials sales from non-Standard Bank clients. This requires calling on and selling to clients that have no touch points with the bank through a cold calling or external lead process. Discusses the general outline of any required asset finance such as client's Capex Budget, the lending terms proposed (including pricing) with the relationship team for an existing RBB / Commercial Banking customer and the Business Analyst / Alliance partner within the external market and ensures that the expected returns for RBB / Commercial Banking over the asset's life are kept in mind. Generates sales through executing leads for existing RBB / Commercial Banking clients that have established credit lines within the internal environment. Offers appropriate solutions based on all available information to offer an informed asset finance solution. If required, obtains further information from the customer to ensure that the correct solution is offered - in conjunction with Catchment and Ecosystem stakeholders. Negotiates appropriate pricing margins for both the client and the bank from an ROI perspective. Focuses on value added products and services (VAPS) where cross sell is applicable to the asset that RBB / Commercial Banking is considering financing. For existing RBB / Commercial Banking customers, consults with the respective Relationship teams to determine whether RBB / Commercial Banking is interested in the potential transaction from a risk and exposure point of view even if the credit line is in place. When receiving or generating a sales lead for existing RBB / Commercial Banking customers or through an Alliance partner in the external market, ensures that the asset dealer is registered on the dealer/supplier database. For a repeat RBB / Commercial Banking customer looking to finance only an asset: prepares a product specialist report, and a motivational letter that includes product (asset) specific information such as lending terms, price and expected returns on the asset for bank and non-banked customer transactions and submits this to the Business Analyst. Submits the product specialist report and the motivation letter through to the respective Relationship teams in the internal market who will review the report and together with Credit make a portfolio decision on the risk appetite. Obtains all the necessary information in order to enable the Business Analyst to prepare the appropriate credit motivation - this includes any pre-credit work. Ensures the securities for the customer are up to date and that all documentation needed for RBB / Commercial Banking to finance an asset are acquired and presented in a manner that makes it easy for Credit to understand. In the external environment, a non RBB / Commercial Banking customer deal will be submitted to the relevant Business Analyst and together will decide on the appetite for and pricing of the deal. For a non RBB / Commercial Banking customer, a transactional decision in financing the asset may be taken without needing to consult with the Relationship team. However, once this initial transaction is banked, the customer relationship will be transferred through to a Relationship team in segment and any future deals will refer to the internal process. Customer Service Drives asset finance processing; from document collection through to obtaining signatures from relevant stakeholders. This will be in the form of signed pro-formas from the dealer that will be handed over to the client for signature and collection prior to the submission of the product specialist report. Waits for the Relationship team (internal market) or the Business Analyst (external market) to inform if the deal has been approved by Credit or not. If the deal has been declined, renegotiates the deal with the client. Any adjustment to the deal must be signed off by the Relationship team for an existing RBB / Commercial Banking customer and prior to resubmission by the Relationship team through to cCedit. Communicates approvals on facilities to the client immediately. Once facility letter has been received, obtains client and relationship manager signatures, negotiates the terms should the client and or relationship manager challenge the terms on the facility letter. Ensures accurate and timeous submission of documentation from stakeholders (e.g., customers, Dealers, etc.) to meet required turnaround times. Ensures that communication channels are kept open so that any additional documents that are required can be gathered as soon as possible as well as kept up to date with the contract preparation process. Collects prepared contracts and securities and if the documents are not in order, returns documents to sales support for correction. Presents the contract, insurance, original invoice and Natis documentation to the client for signature. If the client is not happy with the contract or the securities that have been generated, initiates renegotiations or terminates the contract if the benefit is no longer realised. Drives the dealer process to gain client's signature on the contract prior to the delivery of the asset. Ensures that all signed documentation is sent back to sales support for dealer pay-outs. Collects all documentation required to complete the pay-out process and all originals required for archiving as part of keeping client's records. After Sales service Existing customers o Maintains the CAF relationship for all new and existing customers. Provides high quality after sales care to all new and existing customers (including those with an assigned relationship manager). • Non-bank customers o Facilitates through a personal introduction, the transfer of all new CAF non-customer relationships emanating from supplier, manufacturer and JV alliance partners, to a relationship manager according to the segmentation model within 14 days of the transaction being paid out. o Supports the relationship manager in establishing a primary relationship with all new customers banked that emanate from supplier, manufacturer and JV/Alliance sources. Risk and Control • Delivers a transparent approach to risk by using open dialogue with customers on risk status and raises cautionary notices when appropriate. • Undertakes relevant training and research to develop industry / sector knowledge where appropriate. • Develops solutions which are both practical and appropriate for customers. • Completes, reviews, agrees and signs off product specialist reports and recommendations to Credit. • Accountable for the content of facility letters as well as for obtaining financial information produced by customer to enable the completion of a comprehensive pack by the Business Analyst in the external environment and the relationship manager in the internal environment. • Negotiates appropriate security requirements with customers, within mandate. • Adheres to all relevant policies and procedures and drives data integrity during all customer interactions. • Validates and confirms underlying assets to be financed. Client Service • Ensures that customers asset finance needs are correctly identified, and that an appropriate asset-based finance solution is offered. • Ensues that agreed sales and service deliverables between Standard Bank and its suppliers are met. Team Involvement and administration • Liaises with OSS and sales support to ensure consistent service quality and risk adherence. • Attends team meetings on a regular basis to maintain dialogue/sharing of information to ensure up to date knowledge of market place, business development activity/ initiatives, competitions and people issues, etc. Measures • Achievement of financial objectives • Increased market share • Increased penetration • Achievement of customer service measures (turnaround times, customer feedback) • Stakeholder feedback • Adherence to risk and compliance requirements Preferred Qualification and Experience Qualification First Degree Business Commerce Experience 3 - 4 years Sales experience in Commercial Asset Finance. Experience in preparation of credit motivations. Experience in general banking. Understanding of balance sheets and interpreting financial statements. Must have completed FAIS RE 5 requirements. Knowledge/Technical Skills/Expertise 3 - 4 years Sales experience in Commercial Asset Finance. Experience in preparation of credit motivations. Experience in general banking. Understanding of balance sheets and interpreting financial statements. Must have completed FAIS RE 5 requirements.

Overview To improve the profitability of the distribution centre by managing the financial, inventory and risk management activities, ensuring adherence to financial and budget requirements and by driving process improvements. Purpose and Objectives Objectives To co-ordinate and plan the distribution centre's annual budget as well as forecasts within the agreed business objectives to measure the DC's annual financial performance To compile the distribution centre monthly financial statements and business review reports, clearly indicating deviations to targets and to investigate appropriate actions required to remedy these deviations. To ensure compliance to financial policies and procedures, thereby ensuring compliance with internal controls and reducing risk within the distribution centre together with satisfying the internal and external auditors recommendations To take responsibility for and appropriately manage the staff compliment by empowering, developing and ensuring performance and delivery of targets. Ensure that the financial viability of projects within the distribution centre is aligned to business objectives by ensuring the return on investment for capex is achieved To develop the understanding around financial decision making as well as understanding financial statements to ensure that management can make sound business decisions To manage the administrative functions, including export documentation within the distribution centre, ensuring compliance with legislation and business policies and procedures. To manage the inventory function which incorporates analysis and management of shrinkage targets, review of goods in transit, as well as owning the master data within the warehouse, with a view to reducing the risk of financial loss as well as enabling the accurate replenishment of stores. To manage the Central Audit Process (CAP) to ensure that stores are compensated adequately for picking inaccuracies and to determine the reason for inaccuracies in order to recommend improvements. The management of the outsourced facilities management business partner, to ensure adherence to service level agreement thereby achieving best value for the distribution centre. Requirements Requirements Job Knowledge: Export legislation relative to neighbouring countries General accounting principles and standards Best practice auditing standards Warehouse experience (product flow, systems, SOP's, etc Job Related Skills: Computer literacy (Microsoft office) Presentation skills Analytical skills People management skills Negotiation skills Job Experience: Essential: Minimum of 3-5 years experience Essential: Min 1 year of staff management Essential: Min 3 years of auditing Essential: Min 3 years of accounting experience in retail industry Desirable: 1 year of experience using SAP, SCM and MMS Education: Essential: B.Com or B. Compt or CIMA Desirable: Articles Subjects: 3rd Year Accounting, 3rd Year Auditing Desirable: Chartered Institute of South Africa Kindly note only applicants who meet the minimum requirements will be contacted. We are committed to the principles of Employment Equity.

Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful individual to help us fulfil our business objectives and build customer loyalty. Job Purpose To acquire new quality merchants that require merchant solutions and to maximise business development opportunities with existing merchants to ensure sustainable and profitable relationships. As a consultant of Group Card and Emerging payments ensure the acquisition and the influencing of sales of all Group Card and Emerging Payments products and solutions. Key Responsibilities/Accountabilities Sales planning and delivery Manages the end to end sales cycle in order to acquire new merchants and to generate significant revenue from multiple merchants across the responsible market. Builds and maintains a successful sales pipeline by generating leads both directly and indirectly via channel partners working in conjunction with the channel management team and other key stakeholders internally and externally. Negotiates profitable rates with merchants within prescribed parameters. Works with internal key stakeholders / partners such as business banking consultants and merchant solutions service consultants to cross / up-sell products such as BluMobi, MasterPass SnapScan and other new developed products to achieve business targets. Through the establishment and maintenance of relationships with internal stakeholders, proactively enable and influence acquisition of Card and Emerging payments products and solution. Adopt a Universal banking approach to ensure you leverage cross-product opportunities. Develops good merchant relationships from acquisition to post-sales follow up to maintain customer satisfaction. Act as the Group Card and Emerging Payments point of contact in province and aid stakeholders in Card Sales and Service related matters. Provides regular constructive feedback about the product uptake to the Product and Development teams. Establishes and maintains relationships with customers in Business Banking as guided by segment and the Customer Value Propositions. Reports back on customer needs to acquiring and card product teams for strategic and product decisions. Attends Business Banking branch meetings to present on new product updates, advises on competitor activity and trends in the acquiring industry. Measure: Acquire new quality sales against sales and turnover targets as specified. Achieve Card issuing targets as specified. Amount of leads followed up and acquired. Full on boarding of new sales until merchant number issued and actively trading, as agreed with merchants. Diners Acceptance, SnapScan, Merchant Capital, Instant Money (Bulk issuing) sales against turnover targets as specified. Achieve: o Annual sales and turnover o Achieve Sales targets o Profitably met merchant discounts o Quality of merchants acquired o Cost containment, e.g. contribute to favourable cost to income ratio Communication and relationship management Works closely with all key internal stakeholders to maximise business development opportunities including Marketing, Channel and Product teams. Contributes to targeted marketing campaigns by presenting merchant solutions offerings to customers at sector specific events. Attends to client service requests when required and ensures resolution within agreed timelines. Measure: • Number of acquired merchants banked by Standard Bank but not acquired by Standard Bank Merchant Solutions o Number of quality sales o Number of profitable merchants Innovation Provides accurate and timely market information on the relevant market sector to merchants to help drive the future marketing and product strategies through improved merchant solution sales. Provides meaningful expertise and insights to stakeholders on Group Card and Emerging payments products and solutions Measure: Number and quality of market and product related information shared with specific client segments. Preferred Qualification and Experience Qualification Matric Experience 3- 4 years Sales experience in retail, e-commerce, payments industry, sales experience in CNP(Card Not Present), card processing or card related payments would be a distinct advantage 1 years experience in FMCG (Fast Moving Consumer Goods) industry will be an added advantage Knowledge/Technical Skills/Expertise 3- 4 years Sales experience in retail, e-commerce, payments industry, sales experience in CNP(Card Not Present), card processing or card related payments would be a distinct advantage • 1 years experience in FMCG (Fast Moving Consumer Goods) industry will be an added advantage

Overview Are you passionate about helping people feel good? Are you committed to delivering high standards of patient care and service excellence? We have a number of positions available for a Pharmacist Intern to complete the Pharmacist Internship Programme, which will run from Jan - Dec 2020. The Pharmacist Intern will be based at one of our Clicks Pharmacies and will report to the Pharmacy Manager. Purpose and Objectives Job Purpose: To provide high standards of pharmaceutical care and dispensary services in accordance with Clicks' way of working, Good Pharmacy Practice as well as certain aspects related to stock and financial management of the pharmacy under the supervision of the Pharmacy Manager (Responsible Pharmacist). Job Objectives: To provide high standards of pharmaceutical care, accurate and safe dispensing, including generic substitution, and the provision of advice within the legal scope of practice as outlined by the South African Pharmacy Council (SAPC). To efficiently execute operational activities of the dispensary, including safe and responsible stock management, shrinkage, general housekeeping and administration in line with merchandising, SAPC regulations and company standards. To ensure the operational viability of the dispensary through focusing on core dispensary and clinic targets. To execute customer service initiatives in the dispensary to ensure a great customer experience, driving of customer loyalty and achievement of club card participation targets. To ensure integration and partnership with the clinic and healthcare aisle resulting in a full offering to customers regarding their healthcare needs. To support the Group's vision to be the customer's first choice health and beauty retailer by living and driving the company values. Requirements Education and Experience Requirements: Essential: Registered Pharmacist Intern with SAPC Job Knowledge and Skills Required: SAPC and relevant legal knowledge Ethical working practice and compliance Knowledge of stock, cost, risk and compliance management procedures Knowledge of patient care, professional counselling Knowledge of customer service excellence Planning and organising skills Strong customer orientation Interpersonal skills (Customer service orientation and effective patient care) Computer literacy Essential Competencies Following instructions and Procedures Relating and networking Delivering Results and Meeting Customer Expectations Relating and networking Planning and Organising Coping with Pressures and Setbacks Entrepreneurial and Commercial Thinking Working with people Adhering to Principles and Values Kindly note only applicants who meet the minimum requirements will be contacted.​ We are committed to the principles of Employment Equity. Bursary holders will be given preference. Allocation of vacancies will only be communicated during October and November once all bursars have been accomodated. Successful applicants must be able to start on Monday 2nd January 2017 and be willing to work retail trading hours.

Job Details Retail & Business Banking Job Purpose POR Leader that looks after Cash and Universal Bankers and / front of house. Builds and develops resources and environments to enable the team to achieve its desired vision. Responsible for the facilitation of a team's outcomes. Facilitate the process of removing obstacles. Accountable for a team in a POR and / a POR. The team consists of : Universal Bankers level 1 and /, 2 and / 3; and / or Consultant, Cash and / Team Leader, Cash; and / Team Leader, Universal Banker and/ Client Liaison Officer Key Responsibilities/Accountabilities Determine customer requirements: Ensures that the team(s) attend to customers, understand what matters to the customer and delivers against those demands (i.e. determine the what, why, when, where and how). Ensures that the team(s) take ownership of every demand and provides the customer with an immediate response (depending on the nature of the demand) or facilitates the completion of the customer demand. Ensures that the teams understand the risks associated with the handling of the different demands (e.g., follows effective controls to minimise risk) this includes authentication of the customer to prevent disclosure of information to unauthorised persons (e.g., knows how to identify the customer). Takes customer demand to understand what matters to customers. Meet customer expectations: Continuously coaches team(s) on system conditions that could hinder business and / or individual performance. Enable a learning environment where the team(s) skills are matched to customer demands. Ensure that customers complaints are resolved effectively within the prescribed timelines. Ensures that the team(s) are appropriately reflected on the Bank's systems to enable the correct flow of work. Assists with customer escalations, complaints and queries. Create the ability to act on failure demand and resolve for repeat instances. Act on the data to improve Capability of Response, delivery of what matters and eradicate failure demand through team engagement. Continuously assess what matters to the customer against the ability of processes and systems to meet the customers demand. Grow and create value: In conversing with customers, identify value demand opportunities: Ensures that all leads are logged correctly while connecting with the customer and identifies demand generation opportunities. Participates in specific campaigns and marketing activities as required. Proactively promotes the use of multiple channels to customers Accurately captures, updates or amends customer data Understand financial measures which includes OI, Assets, Liabilities, NIR, NII, Impairments and costs Providing directional support to the team to achieve customer led measures Data, analytics and reporting: Understands and solves for the changes and trends in data as it relates to. Eg. COR, failure, value demands, abandoned calls, handle time, volume of demand and time taken to respond. Assess and act on the capacity of the team to serve customer demand and solve in collaboration with the team. Facilitate the discussion on data with teams and facilitate the improvement of processes and methods based on data. Reviewing and analysing data daily to understand the performance of the team and determining what to act on. Actions and scrutinises relevant reports as per laid-down instructions. Ensures that revenue is recovered correctly for all types of transactions/services provided. Attends to customer demands (irrespective of communication channels) within the agreed timelines. Obtains documentation and assist with fraud and internal investigations, including special investigations. Reports losses for own team(s) according to laid down procedures and provides input to the investigation of losses. Ensures that finding sheets from Risk Assurance and Internal Audit has been responded and irregularities attended to according to laid down procedures. Ensure that the communication is shared and understood by team(s). Risk and compliance: Facilitate the process for team (s) to understand the risks associated with handling of high risk related demands. Facilitate the process of compliance to the FAIS act and build fit and proper teams that can handle demand. Ensures that a Risk Mitigation undertakes regular surprise checks and facilitate the process of corrective action. Ensures staff awareness in terms of fraud and fraud activities. People focus : Facilitation of team(s) outcomes, which includes driving performance, achieving aspirations and addressing skills gaps. Develops a high performing team by embedding the bank's performance process, regular performance feedback and coaching. Help the team understand their contribution to the overall performance through various tactics (including coaching). Help the team to adopt and apply the methods designed to assist in serving customer demand. Motivates team members and ensures that they receive recognition for work well done. Maintains a people plan for the team(s) which includes succession planning for critical roles, talent engagement and personal development plans. Facilitation of the decision-making process. Enable team (s) to pull on resources to make decisions. Provide team (s) with the rights tools and knowledge to take customer demand. Determines development needs of the team and ensures that development opportunities (training, rotation, on-the-job learning) are budgeted for and executed. Follow the agreed selection process for new members of the team(s), aligned to the local Workforce Management Plan. Accountable for the onboarding, induction and orientation of new team members. Collaboratively ensuring that there is a sufficient number staff in place to meet the fluctuating demands of customers by effectively interpreting and actioning on available data like call volumes, handle time, time spent on improvement work. Monitors staff costs and create action plans to address wastage and leakage (where relevant). When required, initiates and or follow people processes which includes resolving of grievances, disciplinary matters and any disputes. Understands the reasons for individual banker variation in capability and uses the correct approach to solve for this which may relate to system conditions, knowledge, behaviour etc Typically 10 and more direct reports. Successful delivery of outputs would be measured as follows: Customer satisfaction rating. Minimised customer hand offs. Customer demand perfectly delivered without any ‘comebacks'. Endeavour to do only value work. Meet what matters to the customer (within laid-down policies and procedures). Improvement on capability of response. Highlighting and acting on areas of improvement. Effective people management (e.g., perform to grow, skills development, reward and recognition). Preferred Qualification and Experience Minimum Qualifications: First Degree:Field of study: Business Commerce Relevant qualification with RE5 5-7 Years Previous experience in the front line. Knowledge of retail and commercial products required for understanding the context of stated customer demands. Knowledge of the procedures and the interdependencies of the various functions performed in Branch (Voice and Physical). Knowledge/Technical Skills/Expertise Customer Understanding Product Knowledge Application and Submission Verification Processing Customer Acceptance and Review Banking Process and Procedures Heart of Customer Experience Client Retention Customer and Client Focused Innovation Driving Delivery of Results Leading Courageously Inspiring Performance for Execution Growing Capability

Job Details Retail and Business Banking Job Purpose To prepare Commercial Property Finance (CPF) transactions for new and existing business as received from the Specialist, Commercial Property Finance for Business and Commercial customers in PBB SA. To conduct annual CPF portfolio reviews for clients that have a CPF facility. Key Responsibilities/Accountabilities Receives all relevant documentation and proposed deal structure from Specialist, CPF. This may include: New to bank CPF deals CPF re-advances Any lending facility for CPF transactions Reviews documentation and identifies any missing information - contacts client to supply relevant information e.g. valuation documents. Drafts the credit application and submits to Specialist, CPF for vetting prior to onwards submission to Credit. Credit application preparation includes: Affordability assessments Risk mitigation identification Property analysis Primary sources of repayment Utility bills Collate deed searches, etc. Where required, prepares indicative term sheets or facility letters and submits to client for acceptance prior to legal document finalisation. Acts as liaison between the bond attorney, the client, and the Account Executive, thereby ensuring that all documents are proactively collected to ensure bond registration and payout. Ensures that all items on the application check-list are signed off by the relevant parties and follows up with client on all post-condition fulfilment (e.g. any outstanding documents). Updates the deal pipeline with all relevant information. Manages transaction execution until disbursement of funds - keeps client informed of progress. Provides input to the Specialist, CPF in identifying new opportunities and sourcing new business to achieve agreed budgets for new and existing business targets as provided by the allocated province. Conducts annual reviews on existing CPF portfolios to ensure that all contract conditions with the client are adhered to. Alerts Credit (or Account Executive where applicable) of any breaches for them to action accordingly. Identifies any refinancing opportunity during the annual review, and raises this with the Specialist, CPF Consultant, who will then contact the client. Anticipates annual reviews to be performed on customers and conducts review accordingly. Prepares relevant reporting (including exposures) as input into further reporting. Reporting includes: Deal pipeline Existing exposures Current limits and market limits etc. Preferred Qualification and Experience Qualification: Business Commerce Degree Experience: 3-4 years Experience in processing CPF transactions with particular focus on preparing credit applications and annual reviews. Experience in different types of property finance transactions e.g. investor versus owner-occupied transactions. Experience and knowledge of credit and compliance matters relating to CPF transactions. Experience in commercial real estate property valuations would be an advantage. Knowledge/Technical Skills/Expertise Providing Insights Adopting Practical Approaches Examining Information Documenting Facts Interpreting Data Interacting with People Showing Composure Completing Tasks Checking Details Meeting Timescales Producing Outputs Taking Action Loan Assessment and Approval Credit Delivery Loan Processing Operating Cash Flow Analysis Financial Statement Analysis Product Knowledge

Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful individual to help us fulfil our business objectives and build customer loyalty. Job Purpose To manage and administer a section of estates (end to end process) and is aligned to the specific requirements of the: STL strategy and vision Group Reference Guide legislation, as well as the values and ethics underpinning all staff within Standard Bank. Effective execution of the job role will: ensure that the process complies with internal and external regulatory frameworks contribute to efficient and effective systems and processes enhance the customer service experience and contribute to a lasting relationship with the Standard Bank group enable the process which allows the effective delivery to shareholders in line with the STL strategy. Key Responsibilities/Accountabilities Estate Process Ensure that the end to end process is driven by milestones. Ensure that you communicate with all heirs in writing on attaining each milestone and/or a monthly basis giving them an update on the status of the estate. To improve quality relationships as a core function of the job as it pertains to internal and external stakeholders. To reduce operating costs efficiently as is possible given the situational dynamics and the prevailing process. To enhance the customer experience in all dealings with current and prospective Bank customer. To contribute to sales by identifying and escalating sales opportunities to Trust and estate planners for onward transmission to SBFC/Liberty. To increase productivity and process flow by executing duties immediately upon being able to do so, efficiently and effectively. To improve economic profit by contributing to the effective estate administration process enabling STL to recover their executors commission as soon as is legally possible. To achieve ultimate conformance with the rules and regulations contained in the GRG and regulatory framework. Monthly promises are provided to management on time and that careful thought is given to what you are planning to do. Ensure that you do physical follow up work of the more difficult and technical issues. As estate consultant the responsibility and accountability to ensure that this estate is administered end to end rests with you and not anybody else. Notification and Allocation Making contact with client to set up the initial interview and ensure that the client is informed of the documentation and information to bring to the interview. On receipt of the estate read the Will to make sure you understand the devolution and there are no difficulties prior to contacting clients Interview and Reporting Interview: Prepare and conduct the interview with the client - completing the necessary documentation, taking/receiving the necessary copies and originals - explaining and questioning with tact and respect. Interviews are efficiently set up and the actual interview takes place within 10 days of notification of death. Reporting: Preparing, actioning and monitoring the reporting of the estate to all stakeholders in order to execute the end to end process. Estates are reported within 5 days of the initial interview and acceptance of trust and all letters and information to be sent out within 10 days of the initial interview. Estates to be fully and effectively reported according to GRG requirements. Ensure that the estates assets are adequately insured to eliminate risks for heirs and STL. Check if consultant's details are loaded correctly (It affects SMSs and Pay-aways Follow Up Monitor and control the follow up process by actioning the daily file reviews and diary notes. Prepare and for rendition of income tax on E-filing and ensure sign off by executor before final submission to SARS on E-filing. (As an exception) As the norm provide tax practitioner with the required information File review notes are made on Legalease and reviewed and accurately actioned daily by responsible party. All information followed up, collected and captured within 270 days from date of reporting of the estate so that you are in a position to lodge the liquidation and distribution account. Ensure all data collected (and captured correctly and as efficiently as possible) to enable you to draft and lodge final liquidation and distribution account within the time frames set out in your key performance measures. Make sure that any assets that can be transferred at this stage are done so, eg. motor vehicles Liquidation and Distribution Account Plan and draft the liquidation and distribution account, initial the account and submit same for approval by executor to comply with the regulatory framework and to inform heirs of inheritance. Reconcile the liquidation and distribution account accurately and sign same before submitting for approval by executor. Ensure that signed copies of the liquidation and distribution account are submitted to the regulatory bodies and heirs within two days of sign off by executor. Ensure that the necessary adverts are placed. Liquidation and distribution accounts are despatched to all relevant parties within 2 days of you signing same. Ensure that any advertisements are placed as soon as the liquidation and distribution account has been signed by you. Instructions are given to the administrators to stop the service fees when a final account has been drafted. Distribution Finance: Reconcile the liquidation and distribution account and prepare final cash reconciliation statement for submission for line manager for sign off and approval in order to comply with the internal and external regulatory framework. Make sure that no monies are being distributed to the correct heirs and into their respective bank accounts. Ensure that copies are sent to heirs and regulatory bodies as needed. Distribute inheritances to heirs, transfer all remaining assets and pay all outstanding creditors within 55 days of the Section 35(5) advertisement having expired, free from objection. Ensure that all payments are made to the correct parties and into the bank accounts of the correct parties. Monitor bank account balances and make sure they are closed within 2 days of bank account reflecting a nil balance. Ensure that all heirs are informed of payouts and final cash statements are sent to the relevant parties. Ensure that provision is made for any umbrella insurance premiums before distributing the estate. Ensure that provision is made for the bank charges before distributing the estate. Archive Take the necessary steps to archive the estate in order to complete the estate administration process. Archive the estate within 20 days of the distribution having been finalised. Ensure that all insurance has either been cancelled or transferred to the heir Preferred Qualification and Experience Qualifications: Matric, LLB or commerce degree, Certificate in Deceased estates Experience: 2 to 4 years experience in administering deceased estates with a Trust company or large firm of attorneys who have a dedicated estate department 3 to 5 years experience in administering deceased estates with a firm of attorneys or having controlled estates for this period at the Master of the High Court Knowledge/Technical Skills/Expertise Good communication and interpersonal skills in at least 2 different languages. Must be proactive and able to manage self. Have the ability to assess the problem accurately and utilises creative techniques to provide the solution within laid down procedures and within all legal constraints.

Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful individual to help us fulfil our business objectives and build customer loyalty. Job Purpose To proactively promote a relationship based offering through a primary point of contact, this meets client expectations by providing personalised financial solutions in line with the Value Proposition. To provide a competent relationship based offering to a Sub-Segment within the Private Banking Segment, that provides highly responsive and pro-active financial and business solutions, focused on the managing and building of wealth, in partnership with small business owners supported by expertise of specialists. To maintain a high level of integrity and ethical standards. Key Responsibilities/Accountabilities Service and Retention: Establishes and builds one-on-one relationships with customers, based on mutual respect, in assigned portfolio by delivering the expected level of service, specifically focusing on a pro-active contact (calling) strategy and programme. Ensures successful retention of existing customers in assigned portfolio by strengthening and expanding relationships. This is achieved by thoroughly understanding the customer, servicing the customer's business and personal financial needs and focusing on the management of key accounts. Interacts and builds relationships with Business Banking Account Executive's and (CIB) Corporate and Investment Banking Relationship Managers, in order to provide a seamless solution to the client's banking requirements. Assists with related queries where possible, and facilitate when specialist advice is required by referring to Business Banking or CIB. Manages the Cost of Sales” through evaluation of margins, cost of service and utilisation of the multi-channel delivery strategies, such as actively managing customer migration onto electronic banking channels. Manage customer migration between segments and sub-segments of Private Banking. Actively ensures that customers are migrated to the correct sub-segment, as per the Value Propositions where appropriate. Effectively attends to and monitors customer complaints on portfolio, identifies root causes and addresses at source, to prevent recurrence Communicates new product information to all customers. Profitable Growth in Portfolio Sales: Acquires new business for the Executive Sub-Segment market in line with the Customer Value Proposition segment income specifications, acquisition targets and/ or segment strategy to increase market share and specific sales strategies. Maximises bank profitability and ensures value add to customers through cross-selling specifically focusing on wealth and lending opportunities. Joins and supports business organisations that will assist in the acquisition of appropriate customers. Measures, tracks and manages sales targets and budgets for portfolio. Manages work list queues to ensure items are actioned within agreed timelines, and/or re-assign staff to different queues to ensure work completed within agreed timelines Ensures staff are appropriately reflected on the organisation structure for distribution of work items to the correct staff/teams Monitors and manages the performance of team members, as it relates to Leads, Queries and Complaints management. Coaches staff on the required behaviours to support Customer 1st tool. Lending Management: Structures credit applications effectively, focusing on high quality motivations. Advises customers on lending product selection, by recommending products to meet their specific needs. Fulfills a training/coaching role through upskilling the Transactional Banker's regarding their credit knowledge. Restructures debt for efficiencies through debt consolidation, thereby bringing a customer's asset base under one roof. Establishes a sound working relationship with Credit, to ensure prompt turnaround times, accuracy and deadlines are strictly adhered to Manages the timeous completion of annual credit reviews on the portfolio. Risk Management and Compliance: Complete all compliance training within laid down timelines. Ensures complete disclosure to clients in terms of accreditation, service fees and commission, in terms of Financial Advisory and Intermediary Services Act (FAIS) Ensures that procedures laid down in Group Reference Guide are adhered to and, where flexibility needs to be exercised, that the necessary dispensation is held Ensures Code of Banking Practice is adhered to. Maintains information on Security and access control system (SACS) for the relevant private banking suite as per laid down procedure (if applicable). Complete subpoena / court order tracking sheet when documents are received and forward to Transactional Banker for execution (Submit to Group Legal: Legal Advisory Services (LAS). Ensures that the Transactional Banker has sent through the relevant documents to Group Legal through regular follow ups. Responsible to sign all Affidavits before leaving the Branch. People Management: 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. Creates an environment in which learning and development are emphasised and valued. Takes personal responsibility for coaching and mentoring others. Effectively delegates authority and responsibility, in line with business objectives, to ensure the empowerment, motivation and effectiveness of all direct and indirect reports. Promotes a culture where the values of the Bank are seen to be ‘alive' Ensures the implementation of the leadership promise and employee engagement programme. Encourages team members to express their views, resolves issues raised by the team, escalates issues if required, and provides feedback to teams on an ongoing basis. Develops and maintains an open communication channel with direct reports and supports staff to foster greater co-operation and teamwork. Monitors and manages the performance and development of staff within the area. This includes regular one-on-one feedback sessions, conducting mid-year and final performance appraisals, as well as the moderation and relative distribution of all appraisals for the team. Fosters the transformation of the workplace and supports business in the achievement of the undertakings in the transformation scorecard, with specific attention to attaining the Department of Trade and Industry (DTI) targets for Standard Bank by 2016. Ensures staff are appropriately and consistently rewarded and recognised for their achievements and outputs. Ensures that disciplinary action and grievances are addressed and aligned to the Standard Bank policies and procedures. Ensures that the administration regarding staff changes for e.g. Personnel Record Update (PRU's) are actioned for the relevant department. Preferred Qualification and Experience Qualification: Matric. The Academy of Financial Markets qualification (needs to be completed over a period of 2 years from the date of appointment to this role of Private Banker). Must complete one of the Qualifications listed on the FSB recognised list within the allocated time. Must complete the RE 5 examinations within the allocated time. Experience: 4 - 5 years' branch banking experience, with exposure to telling, enquiries, service, BDC/Forex, assets and overall customer service. Must have relevant intermediary experience in respect of the FAIS product subcategories applicable to this role. Knowledge/Technical Skills/Expertise Knowledge: Good understanding of the Private Banking markets customer profile and lifestyle. Sound knowledge of the full product spectrum as relevant to the Private Banking market, including qualification criteria, features, benefits, pricing, product combination possibilities for optimum use and relationship to other more specialised products. Ability to interpret financial statements, management accounts, budgets and cash flows for all types of legal entities. Thorough understanding of Credit Principles and systems (behavioural scoring system). Qualification and/or experience in structuring business and personal deals and lending. Understanding of Group company products in respect of service level agreements (knowledge of criteria and customer expectations) and the bank's service provision networks. Understanding of which products are most profitable to the bank and potentially beneficial to the customer. Ability to recognise when specialist product support is required. Knowledge of equivalent competitor products and services. Working knowledge of Personal & Business Banking strategy, overall Group strategy and Private Banking market value propositions. Understanding of current business issues and their impact on the Region. Working knowledge of branch systems and their impact on customer service. Knowledge of Managing Local Market sales principles. Strong Computer Literacy, able to capture/update customer database, migrate customers to remote channels and optimise service delivery within available technology channels (e.g. e-mail, internet and cellphone banking). Have a thorough understanding and knowledge of self-service channels, e.g. Internet Knowledge of the Financial Advisory and Intermediary Services Act. Knowledge of the Code of Banking Practice. Technical and Personal Competencies: Computer literate Good negotiation skills Good mentoring and coaching skills Excellent leadership skills Socially confident Works well in teams and easily assumes team identity. Assertive. Able to express own opinion and convince others. Structured, systematic, organised, diligent, and conscientious. Perfectionist. In control of emotions and behaviour. Good verbal and communication skills required. Able to lead people, build teams and relationships. Supportive and able to give recognition to others. Enjoys training and developing people. Able to follow through and complete tasks. Pays attention to detail. Enjoys designing processes according to which work has to be done. Enjoys analysing client's needs, negotiating and selling/servicing.

Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful individual to help us fulfill our business objectives and build customer loyalty. Job Purpose To sell financial investment and insurance broking products and services to clients, either directly or through intermediaries in the Group network. Key Responsibilities/Accountabilities Prospect for new business opportunities in the market and explore business expansion opportunities with existing quality clients. Analyse and assess client's current and future needs. Apply product and service knowledge to meet market needs. This includes providing financial planning advice to clients, as well as the packaging/ structuring and tailoring of product and service offerings to close and secure profitable business in a carefully segmented market. Preferred Qualification and Experience 120 FAIS Credits (non negotiable) RE 5 Qualification (non negotiable) At least 5 years financial planning industry related experience CFP would be preferable Must not be under any supervision (non negotiable) NQF5 (working towards NQF6) Knowledge/Technical Skills/Expertise 120 FAIS Credits RE 5 At least 5 years industry related experience and knowledge CFP would be preferable Must not be under any supervision Professional Qualification Required 5

Job Details Finance: budgeting and forecasting, creating interim and annual financial statements, facilitating internal mergers and acquisitions, as well as dealing with analysts and investors. Job Purpose To manage the marketing / communications / public relations marketing plans in order to capitalise on market opportunities and generate customer demand within the 9 provinces in Personal and Business Banking South Africa (PBB SA). Key Responsibilities/Accountabilities Provide and manage a provincial marketing plan for the provinces: Manage the efforts of the marketing teams for each province together with the other heads of marketing in PBB SA. This role manages the actual provincial marketing teams. Participate with other members of the executive in the provinces proactively by directing and executing marketing / communications / public relations strategies and plans in support of business and provincial objectives. Build a creative, integrated marketing team that builds brand awareness and reputation. Direct the development of strategies and plans that provide a steady flow of demand (for example, through sales leads) and include effective measurement on the return on marketing programme investments in each province in South Africa by the provincial marketing teams. Develop the provincial marketing, communications and public relations plan and ensure this encompasses the strategies and plans for each of the provinces. The jobholder balances the requirements of multiple stakeholders from various parts of the business with group priorities. Approve provincial marketing strategies and plans. The jobholder ensures that these plans are implemented. Communicate the provincial marketing strategy and plan to internal and agency stakeholders. Organise and direct meetings on a regular basis whereby the provincial marketing strategy and plans are reviewed. Develop in-depth understanding of provincial strategies, plans and objectives in order to ensure that marketing aligns with these initiatives. Participate and be integral to the strategic planning of provincial leadership. Work strategically and partner with provinces to input into the development of new opportunities within the provinces. Provide provinces with insight around the competitive positioning and develop action plans to differentiate offerings through marketing communication. These would both inform and be informed by head office insights as the provincial marketing head would be closer to the ground initiatives and head office would look at this at an overall point of view. Manage and oversee marketing cross-functionally across the provinces including customer offerings, provincial marketing portfolio and marketing support teams (e.g., research, communications, digital, customer offerings, business unit marketing). Recommend short- and long-term business unit goals and objectives to the Head: Provinces an Provincial Leadership. Keep informed of the developments in the fields of marketing, communications and public relations and financial services and use this information to help the organisation operate with agility and innovate on a consistent basis. Measures: Business unit financial measures (revenue, sales volumes, acquisition and retention) Growth in market share Marketing strategy and plan effectiveness (overall awareness, campaign awareness, campaign performance, consideration, customer perception, customer loyalty) Customer experience (NPS score) Stakeholder feedback. Manage all communication initiatives for Marketing: Manage and oversee all functions comprising marketing communications associated with provinces including advertising, public relations, direct marketing, media placement, sales collateral, press releases, special events, market research, creative production, media planning, internal and external communication, sponsorships and all other marketing related activities. Manage and oversee the development of all supporting marketing collateral for provinces including brochures, sales collateral, etc. Ensure that the services, products and brand are positioned to effectively meet customer demand, remain competitive and remain within the positioning and business guidelines provided. Ensure consistent articulation of Standard Bank's desired brand image and position in the provinces and ensure this position is maintained within the marketing strategy for the provinces. Measures: Quality of communications and adherence to brand image. Manage marketing research finances: Manage the implementation of monitoring processes that demonstrate return on investment of marketing, communications and public relations campaigns in provinces. Develop and maintain provincial marketing budgets that are consistent with the financial guidelines provided by the business unit and PBB SA Marketing and Communications. Monitor marketing activities and costs of provincial marketing related to the utilisation of resources required to meet operational requirements. Ensure financial objectives for marketing in the provinces are met by overseeing forecasting requirements; preparing a consolidated annual budget for marketing across provincial marketing; analysing overall variances; and directing corrective actions within the team. Measures: Return on marketing investment measure (spend versus outcome of marketing strategies and plans) Spend variances to budget monitored and within agreed parameters. Report on all provincial marketing initiatives: Ensure marketing reports and communications contain relevant information to be used by the provinces and is in line with the requirements for PBB SA Marketing and Communications. Ensure that marketing evaluation systems are in place that relate to goals and objectives of the provincial business units and reports progress to the Head: PBB SA Marketing and Communications. Communicate the marketing strategies and plans for the provinces throughout PBB SA Marketing and Communications, Customer Channels and provincial teams including executive committees. Ensure that the correct data is used to analyse and report on the effectiveness of marketing campaigns in provinces. Measures: Quality of reporting (e.g., delivered on time, accurate data, etc.) Participate in the development of Marketing policies and procedures / regulatory requirements: Participate in policy and decision-making regarding resource allocation and future direction and control of marketing initiatives in PBB SA Marketing and Communications overall. Develop, implement and monitor systems and procedures necessary to the smooth operation of the marketing, communications, public relations function in provinces. Recommend marketing communication standards and policy changes to the Head: PBB SA Marketing and Communications. Keep up to date with relevant regulatory requirements and understands how it impacts on the marketing function as a whole. Measures: Adherence to regulatory, legal and compliance requirements of Standard Bank, PBB SA overall and group marketing Preferred Qualification and Experience Degree in Social Science, Business, Marketing or equivalent, Postgraduate Degree in Social Science, Business or Marketing Experience: 5- 7 years experience: Previous experience in preparing marketing plans and managing a marketing budget 1-2 years: Previous experience in managing teams across geographies. 3-4 years Previous experience with a Financial Services industry Knowledge/Technical Skills/Expertise Effective Business Communication. Presentation Skills. Brand Management. Planning, Forecasting and Budgeting. Strategic Planning and Reporting.

Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful individual to help us fulfil our business objectives and build customer loyalty. Job Purpose To provide a basic, branch-based Business Market sales and service function to Small Enterprise (SE) customers requiring uncomplicated and standardised financial product solutions. To support the small enterprise team with the day to day running and maintenance of their portfolios. To deal with all credit related issues in Lifestyle and Entrepreneur segments. Key Responsibilities/Accountabilities Customer Experience: Provides a consistent customer experience in line with the Small Enterprise Customer Value Proposition. Performs a liaison role between the Business Managers, Business Bankers, customers, branches and back office service fulfilment and credit functions. Interacts with customers to establish financial information requirements. Educates customers regarding the parameters and routine procedures governing Small Enterprise product and service offerings. Interviews Business customers, when required. Assists with completion of documents and opening of all accounts for Small Enterprise Customers. Ensures that welcome letters are sent to new customers. Attends to transferring and closing of accounts, when necessary. Effectively migrates customers to Direct Channels. Ensures that all new service requests (queries and complaints) are logged correctly, as either a first contact resolution” or “non-first contact resolution” as appropriate. Ensures that service requests in personal work list are actioned within agreed timelines. Ensures accurate capture, updates or amendments of customer information and history notes. Complete all compliance training within laid down timelines. Lending Support and Risk Management: 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. Ensures the preparation and completion of security documents for accounts on the relevant portfolio. Actions the daily credit violations. Assists with credit checks on new and existing accounts and credit applications, when necessary. Drive Transaction Led Acquisition: 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. Completes sales and lead generation tracking forms on a daily basis. Ensures that targets/budgets are met and that leads lists are actioned. Participates in tactical sales/marketing activities as required. Ensures that all leads are logged correctly in the presence of the customer and ensures cross selling opportunities are identified. Identifies and actions opportunities for cross- and up-sell. Identifies migration opportunities and sells products/services reactively. Provides daily and weekly compliance MIS to Provincial Stakeholders. Reports: Scrutinises/Actions all relevant reports according to laid-down instructions. Routine: 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. Customer Experience: Provides a simple and convenient offering to a portfolio of small enterprise customers. Interacts with customers and conducts needs analyses to assist customers to better understand their financial requirements. Accurately and efficiently processes customer mandates/ documentation requirements for banking facilities. Educates customers regarding the parameters and routine procedures governing standard SE product and self-service channel offerings to ensure the correct customer behaviour and product usage. Economic Profit: Achieves financial budgets in line with Local market dynamics. Effectively manages pricing concessions and revenue collection. Legislative Compliance: Supports the implementation of the Financial Intelligence Centre Act (FICA) to ensure adherence to record keeping requirements Supports the SE Business Market to ensure compliance to all applicable legislative requirements such as National Credit Act, Companies Act, Consumer Protection Act, etc. Ensures the adherence to all internal risk related policies and guidelines. Preferred Qualification and Experience Matric. Studying towards a Relevant business related tertiary qualification e.g. B.Comm degree is a pre-requisite. Must complete one of the Qualifications listed on the FSB recognised list within the allocated time. Must complete the RE 5 examination within the allocated time. Knowledge/Technical Skills/Expertise Experience: 3-4 years branch experience An understanding of how businesses operate, as well as understanding the business risks, industry risks and financial requirements pertaining to the small, medium business market. Must have relevant intermediary experience in respect of the FAIS product subcategories applicable to this role. Knowledge: Good knowledge of general banking practices and procedures. Good numerical skills and financial acumen to analyse and evaluate financial statements and balance sheets. A thorough working knowledge of standardised Business Market products. Good knowledge of Personal Market product offerings. A basic knowledge/ awareness of financial investment options, vehicle and asset finance and electronic banking options for lead generation purposes. A basic knowledge of competitor offerings. A sound working knowledge and understanding of Credit principles and practices, including an understanding of credit application, securities and balance sheet requirements, as well as a good knowledge of behavioural scoring. A strong working knowledge of the terms and conditions of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the Business market and the legislative restrictions and requirements governing these from a financial services perspective. A working knowledge of the Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA). A sound working knowledge of Managing Local Market (MLM) sales principles and practices to manage and optimise portfolio retention and growth. Technical Competencies: Computer literate Good communication skills Good numerical skills Good mentoring and coaching skills Good negotiation skills Personal Compeencies: Has the need to focus on one task and complete it thoroughly. Goal directed and persistent. Enjoys researching, sourcing and gathering information and ideas. Enjoys working with clients, analysing their needs, negotiating and selling/servicing.

Job Details Retail & Business Banking Job Purpose POR Leader that looks after Cash and Universal Bankers and / front of house. Builds and develops resources and environments to enable the team to achieve its desired vision. Responsible for the facilitation of a team's outcomes. Facilitate the process of removing obstacles. Accountable for a team in a POR and / a POR. The team consists of : Universal Bankers level 1 and /, 2 and / 3; and / or Consultant, Cash and / Team Leader, Cash; and / Team Leader, Universal Banker and/ Client Liaison Officer Key Responsibilities/Accountabilities Determine customer requirements: Ensures that the team(s) attend to customers, understand what matters to the customer and delivers against those demands (i.e. determine the what, why, when, where and how). Ensures that the team(s) take ownership of every demand and provides the customer with an immediate response (depending on the nature of the demand) or facilitates the completion of the customer demand. Ensures that the teams understand the risks associated with the handling of the different demands (e.g., follows effective controls to minimise risk) this includes authentication of the customer to prevent disclosure of information to unauthorised persons (e.g., knows how to identify the customer). Takes customer demand to understand what matters to customers. Meet customer expectations: Continuously coaches team(s) on system conditions that could hinder business and / or individual performance. Enable a learning environment where the team(s) skills are matched to customer demands. Ensure that customers complaints are resolved effectively within the prescribed timelines. Ensures that the team(s) are appropriately reflected on the Bank's systems to enable the correct flow of work. Assists with customer escalations, complaints and queries. Create the ability to act on failure demand and resolve for repeat instances. Act on the data to improve Capability of Response, delivery of what matters and eradicate failure demand through team engagement. Continuously assess what matters to the customer against the ability of processes and systems to meet the customers demand. Grow and create value: In conversing with customers, identify value demand opportunities: Ensures that all leads are logged correctly while connecting with the customer and identifies demand generation opportunities. Participates in specific campaigns and marketing activities as required. Proactively promotes the use of multiple channels to customers Accurately captures, updates or amends customer data Understand financial measures which includes OI, Assets, Liabilities, NIR, NII, Impairments and costs Providing directional support to the team to achieve customer led measures Data, analytics and reporting: Understands and solves for the changes and trends in data as it relates to. Eg. COR, failure, value demands, abandoned calls, handle time, volume of demand and time taken to respond. Assess and act on the capacity of the team to serve customer demand and solve in collaboration with the team. Facilitate the discussion on data with teams and facilitate the improvement of processes and methods based on data. Reviewing and analysing data daily to understand the performance of the team and determining what to act on. Actions and scrutinises relevant reports as per laid-down instructions. Ensures that revenue is recovered correctly for all types of transactions/services provided. Attends to customer demands (irrespective of communication channels) within the agreed timelines. Obtains documentation and assist with fraud and internal investigations, including special investigations. Reports losses for own team(s) according to laid down procedures and provides input to the investigation of losses. Ensures that finding sheets from Risk Assurance and Internal Audit has been responded and irregularities attended to according to laid down procedures. Ensure that the communication is shared and understood by team(s). Risk and compliance: Facilitate the process for team (s) to understand the risks associated with handling of high risk related demands. Facilitate the process of compliance to the FAIS act and build fit and proper teams that can handle demand. Ensures that a Risk Mitigation undertakes regular surprise checks and facilitate the process of corrective action. Ensures staff awareness in terms of fraud and fraud activities. People focus : Facilitation of team(s) outcomes, which includes driving performance, achieving aspirations and addressing skills gaps. Develops a high performing team by embedding the bank's performance process, regular performance feedback and coaching. Help the team understand their contribution to the overall performance through various tactics (including coaching). Help the team to adopt and apply the methods designed to assist in serving customer demand. Motivates team members and ensures that they receive recognition for work well done. Maintains a people plan for the team(s) which includes succession planning for critical roles, talent engagement and personal development plans. Facilitation of the decision-making process. Enable team (s) to pull on resources to make decisions. Provide team (s) with the rights tools and knowledge to take customer demand. Determines development needs of the team and ensures that development opportunities (training, rotation, on-the-job learning) are budgeted for and executed. Follow the agreed selection process for new members of the team(s), aligned to the local Workforce Management Plan. Accountable for the onboarding, induction and orientation of new team members. Collaboratively ensuring that there is a sufficient number staff in place to meet the fluctuating demands of customers by effectively interpreting and actioning on available data like call volumes, handle time, time spent on improvement work. Monitors staff costs and create action plans to address wastage and leakage (where relevant). When required, initiates and or follow people processes which includes resolving of grievances, disciplinary matters and any disputes. Understands the reasons for individual banker variation in capability and uses the correct approach to solve for this which may relate to system conditions, knowledge, behaviour etc Typically 10 and more direct reports. Successful delivery of outputs would be measured as follows: Customer satisfaction rating. Minimised customer hand offs. Customer demand perfectly delivered without any ‘comebacks'. Endeavour to do only value work. Meet what matters to the customer (within laid-down policies and procedures). Improvement on capability of response. Highlighting and acting on areas of improvement. Effective people management (e.g., perform to grow, skills development, reward and recognition). Preferred Qualification and Experience Minimum Qualifications: First Degree:Field of study: Business Commerce Relevant qualification with RE5 5-7 Years Previous experience in the front line. Knowledge of retail and commercial products required for understanding the context of stated customer demands. Knowledge of the procedures and the interdependencies of the various functions performed in Branch (Voice and Physical). Knowledge/Technical Skills/Expertise Customer Understanding Product Knowledge Application and Submission Verification Processing Customer Acceptance and Review Banking Process and Procedures Heart of Customer Experience Client Retention Customer and Client Focused Innovation Driving Delivery of Results Leading Courageously Inspiring Performance for Execution Growing Capability

Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful individual to help us fulfill our business objectives and build customer loyalty. Job Purpose To effectively execute the trade sales function, comprising solution structuring, drafting of deal papers for credit approval, presenting deals at credit committee to obtain approval, vetting of resultant legal agreements, assisting in the closure of conditions precedent, assisting with client onboarding and training. Key Responsibilities/Accountabilities Profitable Business Growth Implements the Trade, Supply Chain Finance (SCF) and the International Payments offerings in alignment with Moonshots objectives. Identifies Trade Finance, International Payments, Foreign Exchange and Foreign Currency Accounts business opportunities within the Account Executive and Relationship Manager's portfolios and provide this information to the Trade and SCF sales team. Ensures the correct and appropriate allocation and recording of revenue streams per client in conjunction with Product Control/finance in order to provide Account Executives, Relationship Managers and sales staff to know and understand client revenue and profitability. Ensures that the pricing and any concessionary pricing processes are adhered to resulting in the client being correctly priced for the duration of the current period. Monitors the utilisation of approved facilities and the roll-off of approved transactions on a regular basis and provide this information to the sales team for them to encourage clients to more optimally avail themselves of their approved facilities. Implements the tactics for the Fulfilment and Desk Sales and for International Payments Value chain to minimise and/or simplify manual processes, reduce errors and recommend simplified operational processes. Implement applicable Desk Sales and Fulfilment policies, systems, processes, procedures and tools and ensure that all relevant procedural / legislative requirements are fulfilled while delivering a quality, client centric and cost-effective service. Conducts regular interactions with Operations to ensure improvements to the processing of inward and outward payments. Recommends process enhancements across product, operations and other relevant areas to improve the clients' overall experience. Customer Experience Builds and nurture relationships with clients (either directly or through the Account Executive, Relationship Manager or Trade and SCF sales person) to develop a deep understanding of their business ensuring that the Fulfilment and Desk Sales team remains aligned to client needs as well as to identify and deliver on cross sell opportunities /opportunities to develop/effectively utilise channel functionality. Provides clients with training on the trade channel and product solutions enabling them to effectively engage electronically with the bank on trade products. Monitors and measures client feedback and satisfaction levels and provide enhancement requests / recommendations for improvements to relevant internal stakeholders. Manages and satisfactorily responds to client queries within the agreed time period. Client Solutions Raises the profile of the bank externally with clients and external vendors through consistent professional engagement and delivery of client centric solutions. Collaborates with multiple internal stakeholders (Sales, Operations, Product, Technology) across the Trade and International Payments value chains in providing clients with bespoke solutions that meet their requirements. Participates in pre-sales and/or pre-credit meetings to provide product and operational advice and to contribute to innovative and customised solutions tailored to meet client needs. Sales and Payment Fulfilment Optimises the client experience/engagement by managing end to end client implementations, through the application of defined project management standards, system and tools. Contribute towards the effective implementation of project team activities including requirement scoping, planning, technical solutioning, system integration, co-ordination of backend activities, testing, customer training and post implementation review. Track and monitor implementations using defined workflow tools, capture issues and risks and escalate to the senior manager, to ensure the delivery of client solutions on time and within budget. During assigned implementations, act as the dedicated single point of contact for all client communication, with support from line Managers, the Heads of International Payments and Trade and Supply Chain Finance, and a dedicated Technical Consultant (where applicable) for on-boarding. Provide telephonic support post the completion of any Trade and SCF sales initiatives, International Payments advice, and the on-boarding of clients where necessary by assisting with any related guidance to enhance the client experience. Ensures complete handover to Channel On-boarding and/or Service Support teams as and when required for them to complete the process. Governance and risk management Adhere to all laws, regulations, governance frameworks, internal risk and compliance policies and controls and effectively and collaboratively identify, escalate, mitigate and resolve market, operational and capital risk, conduct and compliance matters, in order to not expose the bank to reputational risk and fines/penalties. Reports risk and control gaps for risk remediation to relevant product owners and compliance officers. Maintains diligence on cyber security risk inherent in the electronic channels across the Bank. Ensure that all mandatory compliance training is timeously completed Internal Stakeholder Engagement Collaborates and align with the Sales to conducts regular visits to the suites, catchment business units, product and operation areas to provide feedback and insights gained from interaction with and the knowledge gained from client interaction. Acts as central point for all Trade Finance, Cross Border Payments, Foreign Exchange and Foreign Currency Accounts related matters. Provide input into the budget and sales targets (in consultation with Product) to enable the sales team in their discussions with Account Executives and Relationship Managers. Sales are of supply chain finance/open account trade solutions (most notably trade invoice financing) but deep knowledge of all open account trade solutions, documentary trade products and foreign exchange hedging is also required. Preferred Qualification and Experience Commerce Dipolma Certification in Information Technology, Banking or Finance. Years: 3-4 years Experience Description: Relevant work experience in Documentary Trade, International Payments, supply chain finance, financial solutions, Exchange Control, understanding of Global markets, transactional banking, service and client implementation. Experience in dealing with the Regulatory environment impacting Trade, Experience in Credit and compliance matters. Years: 3-4 years Experience Description: Experience in coordinating with other business units to ensure smooth delivery of client solutions. Experience in delivery channels and cash and trade processing systems is required. Knowledge/Technical Skills/Expertise The perfect candidate will have strong experience across documentary trade and understand all the risks involved in complex transactions i.e. performance risk, credit risk and operational risk. They must be comfortable in the commercial banking environments (which involves looking after large privately held companies). To act as subject matter expert on Trade (including Documentary Trade, Open account Trade Finance, Payments and FX) solutions where required. Deep Supply Chain Finance experience (Receivables Discounting ,Trade Loans, Selective Receivables Finance, Trade Invoice Finance) A good understanding of Structured Trade Finance (Soft Commodity, Hard Commodity and Bespoke Structures) A good understanding of Foreign Exchange (Spot, FEC, as well as the channels of delivery for foreign exchange hedging) Written CommunicationDescription: Ability to express ideas by means of clear and effective writing, in order to support professional communication internally within the Bank and externally. killsData ManagementDescription: The ability to effectively and efficiently manage business related data in an accurate manner, through the application of various technologiesCustomer UnderstandingDescription: The ability to analyse customer needs by engaging with them, analysing their business objectives and their financial position.Product KnowledgeDescription: Knowledge and understanding of the features, benefits and pricing of the products and services on offer to business banking customers.Risk MeasurementDescription: The ability to define and analyse risk identification information in a quantitative and/or qualitative way.Label: ComplianceDescription: The ability to interpret regulations and laws that apply to the business and to provide information to business on how to comply.

Overview To assist the day to day optimal functioning of the store by servicing and retaining our customers thus supporting the achievement of our strategies and objectives in order to successfully attain our Vision...to be the 1ST CHOICE ENTERTAINMENT EXPERIENCE Purpose and Objectives To delight customers with excellent customer service by delivering the customer journey • To work within a team to deliver the store operational requirements To assist in product merchandising and product placement, by following the merchandising guidelines and procedures To constantly familiarise oneself with catalogue and new products in order to service the customer To assist in store hygiene and cleanliness To effectively handle cash, and serve customers at the cash desk To adhere to store policies and procedures with regards to day to day running of the store Requirements Qualifications and Experience: • Experience in dealing with customer, preferably in the service, hospitality or retail industries. Experience in handling large volumes of stock, cash and related administration. Grade 12 Skills, Abilities and Job Related Knowledge: Ability to communicate effectively with customers Selling techniques Ability to work with numbers Positive demeanour when working in a pressurized environment and ability to multi-task Able to work shifts and attend stock takes Essential Competencies: Adhering to principles and values Working with people Following instructions and procedures • Delivering results and meeting customer expectations

Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful individual to help us fulfill our business objectives and build customer loyalty. Job Purpose To sell financial investment and insurance broking products and services to clients, either directly or through intermediaries in the Group network. Key Responsibilities/Accountabilities Prospect for new business opportunities in the market and explore business expansion opportunities with existing quality clients. Analyse and assess client's current and future needs. Apply product and service knowledge to meet market needs. This includes providing financial planning advice to clients, as well as the packaging/ structuring and tailoring of product and service offerings to close and secure profitable business in a carefully segmented market. Preferred Qualification and Experience 120 FAIS Credits (non negotiable) RE 5 Qualification (non negotiable) At least 5 years financial planning industry related experience CFP would be preferable Must not be under any supervision (non negotiable) NQF5 (working towards NQF6) Knowledge/Technical Skills/Expertise 120 FAIS Credits RE 5 At least 5 years industry related experience and knowledge CFP would be preferable Must not be under any supervision Professional Qualification Required 5

Job Details Retail & Business Banking Job Purpose To provide appropriate financial and estate planning advice to a selected portfolio / segment of Standard Bank customers and offer appropriate financial solutions to solve for their financial needs through the set digital framework of V&D Key Responsibilities/Accountabilities Financial and estate planning advice and financial solutions Prospects for new business opportunities in the selected segments and explore business expansion opportunities with existing clients. Contributes to the enablement of a universal services organisation by identifying other relevant opportunities / leads and advising relevant business partners accordingly. Analyses and assesses clients' current and future financial and estate planning needs. Develops appropriate proposals in line with customer requirements and in line with suite of existing solutions (e.g., prepare quote, issue and amend quote, record advice, fulfil contract and requirement management). Applies product and service knowledge to meet client needs. This includes providing financial and estate planning advice to clients as well as the packaging, structuring and tailoring of financial solutions to secure profitable business in the identified market segment. Relationships with internal network Establishes and builds strong relationships with staff within own network (i.e., branch, suite) in order to maximise business opportunities. Acts as SME for all SBFC (V&G) matters and provides appropriate support and guidance to staff (e.g., service consultants within Voice & Digital). Builds and maintains an internal third-party relationship network with product suppliers and distribution channels in the Group including Corporate Investment Banking, Stanlib and Liberty. Promotes a professional image and displays exemplary behaviour. Ensures that synergies and teamwork needed to optimise sales and service delivery is in place. Remains abreast of all RBB business drivers in order to provide appropriate level of SBFC support (e.g., RBB scorecards, processes, products, etc.). Provides input and feedback on the suitability of solutions to relevant stakeholders (e.g., Product, Wealth, etc.) based on interactions with customers. Maximises utilisation of the internal and external network to achieve business objectives and targets. Relationships with new and/or existing clients Maintains a visible and active presence within own network to build and expand relationships with new and potential clients. Maintains relationships with existing clients through regular follow-up calls / contact. This includes proactive anticipation of client needs and the provision of sound financial advice that will attract and retain business and market share. Provide a service to customers Ensures that client information is electronically updated and distributed to them on a proactive basis. Maintains regular contact with existing customers to ensure that their needs are effectively serviced - schedules appointments accordingly. Deals with daily customer service requests, queries and complaints within the defined service level timeframes. Reviews client portfolios on an annual basis and records it accordingly. Services and amends policies as required. Remains abreast of all relevant changes within the financial advisory industry (e.g., legislation, broader economy, trends, technology, etc.) in order to apply this knowledge to own customer base. Measures Achievement of agreed financial objectives (e.g., growth in revenue, achievement of sales targets) Achievement of customer service levels (Customer feedback) Adherence to risk and compliance requirements Stakeholder feedback as gauged by internal network Preferred Qualification and Experience Minimum Formal Qualification Diploma Finance and Accounting Diploma Legal Prefered Qualification Preference for B.Comm Finance / Legal degree Certified Financial Planner / Wealth management certificate Minimum required qualification and experience in terms of FAIS fit and proper requirements Valid driver's license Knowledge/Technical Skills/Expertise 3 - 4 years Personal & Business Banking

Job Details Retail & Business Banking Job Purpose To provide appropriate financial and estate planning advice to a selected portfolio / segment of Standard Bank customers and offer appropriate financial solutions to solve for their financial needs through the set digital framework of V&D Key Responsibilities/Accountabilities Financial and estate planning advice and financial solutions Prospects for new business opportunities in the selected segments and explore business expansion opportunities with existing clients. Contributes to the enablement of a universal services organisation by identifying other relevant opportunities / leads and advising relevant business partners accordingly. Analyses and assesses clients' current and future financial and estate planning needs. Develops appropriate proposals in line with customer requirements and in line with suite of existing solutions (e.g., prepare quote, issue and amend quote, record advice, fulfil contract and requirement management). Applies product and service knowledge to meet client needs. This includes providing financial and estate planning advice to clients as well as the packaging, structuring and tailoring of financial solutions to secure profitable business in the identified market segment. Relationships with internal network Establishes and builds strong relationships with staff within own network (i.e., branch, suite) in order to maximise business opportunities. Acts as SME for all SBFC (V&G) matters and provides appropriate support and guidance to staff (e.g., service consultants within Voice & Digital). Builds and maintains an internal third-party relationship network with product suppliers and distribution channels in the Group including Corporate Investment Banking, Stanlib and Liberty. Promotes a professional image and displays exemplary behaviour. Ensures that synergies and teamwork needed to optimise sales and service delivery is in place. Remains abreast of all RBB business drivers in order to provide appropriate level of SBFC support (e.g., RBB scorecards, processes, products, etc.). Provides input and feedback on the suitability of solutions to relevant stakeholders (e.g., Product, Wealth, etc.) based on interactions with customers. Maximises utilisation of the internal and external network to achieve business objectives and targets. Relationships with new and/or existing clients Maintains a visible and active presence within own network to build and expand relationships with new and potential clients. Maintains relationships with existing clients through regular follow-up calls / contact. This includes proactive anticipation of client needs and the provision of sound financial advice that will attract and retain business and market share. Provide a service to customers Ensures that client information is electronically updated and distributed to them on a proactive basis. Maintains regular contact with existing customers to ensure that their needs are effectively serviced - schedules appointments accordingly. Deals with daily customer service requests, queries and complaints within the defined service level timeframes. Reviews client portfolios on an annual basis and records it accordingly. Services and amends policies as required. Remains abreast of all relevant changes within the financial advisory industry (e.g., legislation, broader economy, trends, technology, etc.) in order to apply this knowledge to own customer base. Measures Achievement of agreed financial objectives (e.g., growth in revenue, achievement of sales targets) Achievement of customer service levels (Customer feedback) Adherence to risk and compliance requirements Stakeholder feedback as gauged by internal network Preferred Qualification and Experience Minimum Formal Qualification Diploma Finance and Accounting Diploma Legal Prefered Qualification Preference for B.Comm Finance / Legal degree Certified Financial Planner / Wealth management certificate Minimum required qualification and experience in terms of FAIS fit and proper requirements Valid driver's license Knowledge/Technical Skills/Expertise 3 - 4 years Personal & Business Banking

Job Details Risk Management: understanding all risks - from the economic to the political - that could affect our global business, and offering guidance to all parts of the bank Job Purpose To assist Business and Credit with the end-to-end remedial management of enterprise wide distressed debt exposures in the Personal and Business Bank environment, both in house (referred by Account Executives and Credit Evaluation Managers) or under formal Business Rescue proceedings (as per Chapter 6 of the new Companies Act) within assigned Personal-to-Holder mandates; To pro-actively attend to the recoveries process and the protection of the bank's asset base on non-performing loans with values across the entire product spectrum; To proactively represent Business Support and Recoveries at CRC committee level; To innovate and design alternative credit risk management / rehabilitation and recovery methods aimed at optimal efficiency and effectiveness; To reduce the cost of delivery and to conform to end-to-end value propositions; To effectively engage with internal and external stakeholders in order to optimize returns for the Bank; To uphold and maintain the Bank's core values; To provide innovative solutions (involvement of outside consultants, restructuring, recommending sale of non-core assets etc) in an effort to minimise impairments and to retain business. Thresholds (subject to change depending on business needs): Lending products (overdraft, MTL, BTL, L/C's, FEC's, GBB's, Debtor Finance) R2,500,000 VAF R2,500,000 Credit Card R500,000 Home Loans R5,000,000 Property Finance and Big Ticket - All exposures Key Responsibilities/Accountabilities Credit Support In the Personal and Business Bank environment the composition of facilities, financial information and collateral is more complex, mostly consisting of Companies in a holding - subsidiary relationship or sister companies with inter-company loans (annual turnover ranges between R10 million to R500 million, or High net worth private individuals And all related SBSA exposure Undertakes a meaningful assessment of the financial position of the business and/or individual by engaging with the Account Executive / Account Manager, Credit Evaluation Manager and the customer to obtain all the necessary documentation and information. Investigates a wide range of factors regarding the distressed customer including:- identifying enterprise wide exposures, including exposures to sureties; primary reasons for distress; strength of financial statements; past performance; future profitability / sustainability; cash flow generation; industry outlook; validation and valuation of existing collateral and the possibility of improving the position; evaluation of impairment requirements; Provides a full recommendation to business, credit and the customer regarding a restructure or if not possible, recommends legal action to protect the bank's position. Engages with other major creditors, in need and attends to recommendations regarding impairments required. Keeps profile correspondence on all enterprise wide systems up-to- date in terms of all actions/developments. Compiles monthly watch list reports for presentation to Credit Review Committee at the various regional and product specific Credit Review Committee meetings. Attends monthly Credit Review Committee meetings for areas of responsibility and recommends remedial action for those relationships not handled in the Business Support space. Provides input regarding contracts entered into with customers where the scope falls outside of the bank's existing documentation, when engaging with attorneys. Provides recommendations on restructure strategies, if possible when interacting with Business Rescue Practitioners / Turnaround Specialists. Participates in Business Rescue Committee of Creditors and any court proceedings arising during the Business Rescue proceedings in order to protect the bank's interests. Credit Recoveries Complies with all statutory, regulatory and supervisory requirements. Maintains the highest ethical standards to prevent market abuse. Reports any breaches and exposures to the Unit Head and/or the division's Regulatory Compliance Officer. Compiles loss reports for any loss >R5m. Compile write off reports on all losses >R1m for CRMC. Places timeous hold codes on accounts to ensure accounts are not used by the customer once recoveries strategy implemented. Engages with attorney firms when legal action deemed necessary. Attends insolvency inquiries on behalf of the bank. Assesses and analyses business and account risks of non-performing accounts. Takes ownership of identified non-performing accounts until the risk has been reduced to the satisfaction of the Bank and to strive to do so in agreed time frames. Builds professional relationships with internal business partners as well as the Bank's external customers and service providers. Investigates, develops and applies best recoveries practices in the unit. Maintains all records required by the unit to ensure continuity and effective management of its objectives. Housekeeping and maintaining of Bank and departmental records. Attends to the compiling of all claims in liquidated estates and submits same to the liquidators. Raises provisions timeously to cater for possible losses that the bank may suffer. Consider offers of compromise within mandate or refer for approval where necessary. Ensures legal costs are kept to a minimum and within agreed annual budget. Analyses and actions (in need) Liquidation & Distribution Accounts of liquidated/sequestrated estates. Attends to and controls realization of all securities. Compiles informative brief of instructions to attorneys. Any delegated ad-hoc functions. Business Rescue To ensure the effective management of a Business Rescue matter by Standard Bank PBB, across all products into an executable plan aimed at rehabilitating a customer whilst, at the same time, minimising the risk to the Bank. To ensure the formal rehabilitation of a company in financial distress, and the negotiation of a Business Rescue plan with a Business Rescue practitioner (who has taken over full management of the company in Business Rescue). To propose the development and implementation, if approved, of a plan to rescue the client by restructuring its affairs, business, property, debt and other liabilities, and equity in a manner that maximises the likelihood of the company continuing in existence on a solvent basis or, if it is not possible for the company to so continue in existence, results in a better return for the company's creditors or shareholders than would result from the immediate liquidation of the company. To formalise a plan in terms of mandates granted to the Business Rescue Manager by the bank. Legislative ComplianceEnsure compliance to the Companies Act 71 of 2008 as well as any other applicable legislation (FAIS, Insolvency Act, Consumer Protection Act, etc). Business Credit Compliance Ensure completion of all mandatory compliance training within timeframes. Risk management Identifies and manages business risk from both a customer and Bank perspective by ensuring that appropriate control mechanisms are in place and consistently applied within the unit's processes to minimise risk exposure. Ensures compliance with rules, regulations and legislation governing the South African financial services industry. This includes ensuring adherence to the Code of Banking Practice. Identifies risks associated with specific industries and alerts internal customers to take appropriate action. Acts within delegated authority levels and refers matters to the appropriate level if outside of the personal-to-holder delegated authority and certificate of authority. Relationship management Develops and maintains healthy working relationships with all the relevant parties and key stakeholders, both internal and external to the Bank to ensure co-operative, collective management of a Business Support matter. Engages with all necessary stakeholders to either successfully rehabilitate a client within the shortest time period possible, alternatively if it is not possible for the company to so continue in existence, work with all necessary stakeholders to ensure that the re-organisation results in a better return for the bank and circumvent would result from the immediate liquidation of the company. Produces or delivers the following to be considered effective: Proposes the development and implementation, if approved, of a plan to rehabilitate the client by restructuring its affairs, business, property, debt and other liabilities, and equity in a manner that maximises the likelihood of the company continuing in existence on a solvent basis, or if it is not possible for the company to so continue in existence, results in a better return for the bank than would result from the immediate liquidation of the company. Escalates a matter when deemed necessary - in the case of arbitration or when a complaint is received. Manages a portfolio of customers in Business Rescue via interaction with Business Rescue Practitioners, other creditors, trade union representatives, customers and internal stakeholders in order to maximise the likelihood of the company continuing in existence, or if it is not possible for the company to so continue in existence, results in a better return for the bank than would result from the immediate liquidation of the company. Vote for or against a business rescue plan within authorised mandate. Preferred Qualification and Experience Matric, 3 year tertiary Degree will be an advantage. (Preferred: Business / Legal / Accounting or related credit / risk qualification) Certifications-Credit / Risk Management / SARIPA (AIPSA) Minimum 3 - 5 year experience in a Personal & Business Banking credit environment (preferably a Credit / Risk Assessment or Recoveries role). Minimum 5 years credit / risk / relationship and recoveries experience if no tertiary qualification held The successful incumbent will also bring Legal expertise to the role. Knowledge/Technical Skills/Expertise Credit assessment Knowledge of all banking products Knowledge of collateral Knowledge of risk management in respect of distressed debt customers Legal/accounting/business knowledge Knowledge of applicable legislation (Companies Act, Insolvency Act, High Court Act, Magistrate's Court Act, NCA, Consumer Protection Act, Popi,) Required to have sufficient knowledge of credit / risk procedures to critically analyse information to ensure quality recommendations for a restructure / recovery Computer literacy - knowledge of applicable systems (MS Word, Excel, Power Point) Accounting/budgeting skills Risk management ability Credit evaluation skills Recoveries evaluation skills Turnaround of business Product knowledge Collateral knowledge

Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful Private Banker to help us fulfil our business objectives and build customer loyalty Job Purpose To proactively promote a relationship based offering through a primary point of contact, this meets client expectations by providing personalised financial solutions in line with the Value Proposition. To provide a competent relationship based offering to a Sub-Segment within the Private Banking Segment, that provides highly responsive and pro-active financial and business solutions, focused on the managing and building of wealth, in partnership with small business owners supported by expertise of specialists. To maintain a high level of integrity and ethical standards Key Responsibilities/Accountabilities Service and Retention Establishes and builds one-on-one relationships with customers, based on mutual respect, in assigned portfolio by delivering the expected level of service, specifically focusing on a pro-active contact (calling) strategy and programme. Ensures successful retention of existing customers in assigned portfolio by strengthening and expanding relationships. This is achieved by thoroughly understanding the customer, servicing the customer's business and personal financial needs and focusing on the management of key accounts. Interacts and builds relationships with Business Banking Account Executive's and (CIB) Corporate and Investment Banking Relationship Managers, in order to provide a seamless solution to the client's banking requirements. Assists with related queries where possible, and facilitate when specialist advice is required by referring to Business Banking or CIB. Manages the Cost of Sales” through evaluation of margins, cost of service and utilisation of the multi-channel delivery strategies, such as actively managing customer migration onto electronic banking channels. Manage customer migration between segments and sub-segments of Private Banking. Actively ensures that customers are migrated to the correct sub-segment, as per the Value Propositions where appropriate. Effectively attends to and monitors customer complaints on portfolio, identifies root causes and addresses at source, to prevent recurrence Communicates new product information to all customers Profitable Growth in Portfolio Sales Acquires new business for the Executive Sub-Segment market in line with the Customer Value Proposition segment income specifications, acquisition targets and/ or segment strategy to increase market share and specific sales strategies. Maximises bank profitability and ensures value add to customers through cross-selling specifically focusing on wealth and lending opportunities. Joins and supports business organisations that will assist in the acquisition of appropriate customers. Measures, tracks and manages sales targets and budgets for portfolio. Manages work list queues to ensure items are actioned within agreed timelines, and/or re-assign staff to different queues to ensure work completed within agreed timelines Ensures staff are appropriately reflected on the organisation structure for distribution of work items to the correct staff/teams Monitors and manages the performance of team members, as it relates to Leads, Queries and Complaints management. Coaches staff on the required behaviours to support Customer 1st tool Lending Management Structures credit applications effectively, focusing on high quality motivations. Advises customers on lending product selection, by recommending products to meet their specific needs. Fulfills a training/coaching role through upskilling the Transactional Banker's regarding their credit knowledge. Restructures debt for efficiencies through debt consolidation, thereby bringing a customer's asset base under one roof. Establishes a sound working relationship with Credit, to ensure prompt turnaround times, accuracy and deadlines are strictly adhered to Manages the timeous completion of annual credit reviews on the portfolio Risk Management and Compliance Complete all compliance training within laid down timelines. Ensures complete disclosure to clients in terms of accreditation, service fees and commission, in terms of Financial Advisory and Intermediary Services Act (FAIS) Ensures that procedures laid down in Group Reference Guide are adhered to and, where flexibility needs to be exercised, that the necessary dispensation is held Ensures Code of Banking Practice is adhered to. Maintains information on Security and access control system (SACS) for the relevant private banking suite as per laid down procedure(if applicable). Complete subpoena / court order tracking sheet when documents are received and forward to Transactional Banker for execution (Submit to Group Legal: Legal Advisory Services (LAS) Ensures that the Transactional Banker has sent through the relevant documents to Group Legal through regular follow ups Responsible to sign all Affidavits before leaving the Branch People Management 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. Creates an environment in which learning and development are emphasised and valued. Takes personal responsibility for coaching and mentoring others. Effectively delegates authority and responsibility, in line with business objectives, to ensure the empowerment, motivation and effectiveness of all direct and indirect reports. Promotes a culture where the values of the Bank are seen to be ‘alive' Ensures the implementation of the leadership promise and employee engagement programme. Encourages team members to express their views, resolves issues raised by the team, escalates issues if required, and provides feedback to teams on an ongoing basis. Develops and maintains an open communication channel with direct reports and supports staff to foster greater co-operation and teamwork. Monitors and manages the performance and development of staff within the area. This includes regular one-on-one feedback sessions, conducting mid-year and final performance appraisals, as well as the moderation and relative distribution of all appraisals for the team Fosters the transformation of the workplace and supports business in the achievement of the undertakings in the transformation scorecard, with specific attention to attaining the Department of Trade and Industry (DTI) targets for Standard Bank by 2016 Ensures staff are appropriately and consistently rewarded and recognised for their achievements and outputs Ensures that disciplinary action and grievances are addressed and aligned to the Standard Bank policies and procedures Ensures that the administration regarding staff changes for e.g. Personnel Record Update (PRU's) are actioned for the relevant department. Preferred Qualification and Experience Matric RE5/ RE1 The Academy of Financial Markets qualification (needs to be completed over a period of 2 years from the date of appointment to this role of Private Banker) Must complete one of the Qualifications listed on the FSB recognised list within the allocated time (FAIS recognised qualification) Knowledge/Technical Skills/Expertise Computer literate Good negotiation skills Good mentoring and coaching skills Excellent leadership skills

Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful individual to help us fulfil our business objectives and build customer loyalty. Job Purpose To provide a basic, branch-based Business Market sales and service function to Small Enterprise (SE) customers requiring uncomplicated and standardised financial product solutions. To support the small enterprise team with the day to day running and maintenance of their portfolios. To deal with all credit related issues in Lifestyle and Entrepreneur segments. Key Responsibilities/Accountabilities Customer Experience: Provides a consistent customer experience in line with the Small Enterprise Customer Value Proposition. Performs a liaison role between the Business Managers, Business Bankers, customers, branches and back office service fulfilment and credit functions. Interacts with customers to establish financial information requirements. Educates customers regarding the parameters and routine procedures governing Small Enterprise product and service offerings. Interviews Business customers, when required. Assists with completion of documents and opening of all accounts for Small Enterprise Customers. Ensures that welcome letters are sent to new customers. Attends to transferring and closing of accounts, when necessary. Effectively migrates customers to Direct Channels. Ensures that all new service requests (queries and complaints) are logged correctly, as either a first contact resolution” or “non-first contact resolution” as appropriate. Ensures that service requests in personal work list are actioned within agreed timelines. Ensures accurate capture, updates or amendments of customer information and history notes. Complete all compliance training within laid down timelines. Lending Support and Risk Management: 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. Ensures the preparation and completion of security documents for accounts on the relevant portfolio. Actions the daily credit violations. Assists with credit checks on new and existing accounts and credit applications, when necessary. Drive Transaction Led Acquisition: 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. Completes sales and lead generation tracking forms on a daily basis. Ensures that targets/budgets are met and that leads lists are actioned. Participates in tactical sales/marketing activities as required. Ensures that all leads are logged correctly in the presence of the customer and ensures cross selling opportunities are identified. Identifies and actions opportunities for cross- and up-sell. Identifies migration opportunities and sells products/services reactively. Provides daily and weekly compliance MIS to Provincial Stakeholders. Reports: Scrutinises/Actions all relevant reports according to laid-down instructions. Routine: 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. Customer Experience: Provides a simple and convenient offering to a portfolio of small enterprise customers. Interacts with customers and conducts needs analyses to assist customers to better understand their financial requirements. Accurately and efficiently processes customer mandates/ documentation requirements for banking facilities. Educates customers regarding the parameters and routine procedures governing standard SE product and self-service channel offerings to ensure the correct customer behaviour and product usage. Economic Profit: Achieves financial budgets in line with Local market dynamics. Effectively manages pricing concessions and revenue collection. Legislative Compliance: Supports the implementation of the Financial Intelligence Centre Act (FICA) to ensure adherence to record keeping requirements Supports the SE Business Market to ensure compliance to all applicable legislative requirements such as National Credit Act, Companies Act, Consumer Protection Act, etc. Ensures the adherence to all internal risk related policies and guidelines. Preferred Qualification and Experience Matric. Studying towards a Relevant business related tertiary qualification e.g. B.Comm degree is a pre-requisite. Must complete one of the Qualifications listed on the FSB recognised list within the allocated time. Must complete the RE 5 examination within the allocated time. Knowledge/Technical Skills/Expertise Experience: 3-4 years branch experience An understanding of how businesses operate, as well as understanding the business risks, industry risks and financial requirements pertaining to the small, medium business market. Must have relevant intermediary experience in respect of the FAIS product subcategories applicable to this role. Knowledge: Good knowledge of general banking practices and procedures. Good numerical skills and financial acumen to analyse and evaluate financial statements and balance sheets. A thorough working knowledge of standardised Business Market products. Good knowledge of Personal Market product offerings. A basic knowledge/ awareness of financial investment options, vehicle and asset finance and electronic banking options for lead generation purposes. A basic knowledge of competitor offerings. A sound working knowledge and understanding of Credit principles and practices, including an understanding of credit application, securities and balance sheet requirements, as well as a good knowledge of behavioural scoring. A strong working knowledge of the terms and conditions of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the Business market and the legislative restrictions and requirements governing these from a financial services perspective. A working knowledge of the Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA). A sound working knowledge of Managing Local Market (MLM) sales principles and practices to manage and optimise portfolio retention and growth. Technical Competencies: Computer literate Good communication skills Good numerical skills Good mentoring and coaching skills Good negotiation skills Personal Compeencies: Has the need to focus on one task and complete it thoroughly. Goal directed and persistent. Enjoys researching, sourcing and gathering information and ideas. Enjoys working with clients, analysing their needs, negotiating and selling/servicing.

Job Details Retail & Business Banking Job Purpose To provide appropriate financial and estate planning advice to a selected portfolio / segment of Standard Bank customers and offer appropriate financial solutions to solve for their financial needs through the set digital framework of V&D Key Responsibilities/Accountabilities Financial and estate planning advice and financial solutions Prospects for new business opportunities in the selected segments and explore business expansion opportunities with existing clients. Contributes to the enablement of a universal services organisation by identifying other relevant opportunities / leads and advising relevant business partners accordingly. Analyses and assesses clients' current and future financial and estate planning needs. Develops appropriate proposals in line with customer requirements and in line with suite of existing solutions (e.g., prepare quote, issue and amend quote, record advice, fulfil contract and requirement management). Applies product and service knowledge to meet client needs. This includes providing financial and estate planning advice to clients as well as the packaging, structuring and tailoring of financial solutions to secure profitable business in the identified market segment. Relationships with internal network Establishes and builds strong relationships with staff within own network (i.e., branch, suite) in order to maximise business opportunities. Acts as SME for all SBFC (V&G) matters and provides appropriate support and guidance to staff (e.g., service consultants within Voice & Digital). Builds and maintains an internal third-party relationship network with product suppliers and distribution channels in the Group including Corporate Investment Banking, Stanlib and Liberty. Promotes a professional image and displays exemplary behaviour. Ensures that synergies and teamwork needed to optimise sales and service delivery is in place. Remains abreast of all RBB business drivers in order to provide appropriate level of SBFC support (e.g., RBB scorecards, processes, products, etc.). Provides input and feedback on the suitability of solutions to relevant stakeholders (e.g., Product, Wealth, etc.) based on interactions with customers. Maximises utilisation of the internal and external network to achieve business objectives and targets. Relationships with new and/or existing clients Maintains a visible and active presence within own network to build and expand relationships with new and potential clients. Maintains relationships with existing clients through regular follow-up calls / contact. This includes proactive anticipation of client needs and the provision of sound financial advice that will attract and retain business and market share. Provide a service to customers Ensures that client information is electronically updated and distributed to them on a proactive basis. Maintains regular contact with existing customers to ensure that their needs are effectively serviced - schedules appointments accordingly. Deals with daily customer service requests, queries and complaints within the defined service level timeframes. Reviews client portfolios on an annual basis and records it accordingly. Services and amends policies as required. Remains abreast of all relevant changes within the financial advisory industry (e.g., legislation, broader economy, trends, technology, etc.) in order to apply this knowledge to own customer base. Measures Achievement of agreed financial objectives (e.g., growth in revenue, achievement of sales targets) Achievement of customer service levels (Customer feedback) Adherence to risk and compliance requirements Stakeholder feedback as gauged by internal network Preferred Qualification and Experience Minimum Formal Qualification Diploma Finance and Accounting Diploma Legal Prefered Qualification Preference for B.Comm Finance / Legal degree Certified Financial Planner / Wealth management certificate Minimum required qualification and experience in terms of FAIS fit and proper requirements Valid driver's license Knowledge/Technical Skills/Expertise 3 - 4 years Personal & Business Banking

Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful individual to help us fulfill our business objectives and build customer loyalty. Job Purpose To grow and retain a portfolio of high value Business Segment relationships by performing a proactive, mobile, value adding financial partnership role. To ensure that close personal attention is given to provide a full array of customised financial solutions tailored to meet the growth needs and potential of the customers within the portfolio. To provide effective relationship management aimed at optimising customer profitability and value to the Bank. To ensure customer satisfaction across allocated portfolio of customers Key Responsibilities/Accountabilities Achieve Sales targets Achievement of Net Promoter Score (NPS) targets Achieves financial targets as per Performance Contract which will include profitability of the Portfolio measured by growth in Operating Income. Engaged and committed people Satisfactory risk and compliance audit results Effective change management and adoption of projects and initiatives. Achievement of all migration targets. Ensure usage of the Customer1st system Preferred Qualification and Experience FAIS recognised qualification (listed with FSB) (NQF 5 minimum) RE Previous managerial experience (+/- 3 years) as a Business Manager, Account Manager, or any other related role dealing with high value commercial clients is essential. This experience provides a general understanding of how Business Banking and commercial businesses operate, as well as understanding the business risks, industry risks and financial requirements pertaining to the commercial market. Significant experience in preparing and motivating Credit applications Knowledge/Technical Skills/Expertise Computer literate Strong negotiation and conflict management skills to create a cooperative and collaborative working environment where conflict is defused and managed. Credit assessment skills Business acumen Negotiation skills Quantitative and Numerical Skills Excellent verbal and written communication skills. Controlling: Takes charge, directs, manages, and organises. Socially Confident/ Relationship Builder: Self-assured, enjoys meeting people, creates a good impression in social situations, is good with words and knows what to say (even when communicating disagreeable information). Has the need to focus on one task and complete it thoroughly Structured, Organised, Diligent, Conscientious Perfectionist and systematic Goal directed and persistent Has a fast paced approach Enjoys initiating and leading from the front. Enjoys visiting clients, analysing their needs, negotiating and selling/servicing Enjoys numbers and quantification, budgets cash flows, profits and loss calculations Enjoys controlling and being in charge of a project, operation or division

Job Details Retail & Business Banking Job Purpose Builds and develops resources and environments to enable the team to achieve its desired vision. Responsible for the facilitation of a team's outcomes. Facilitate the process of removing obstacles. Accountable for a POR. The team consists of Universal Bankers level 1 and / 2, and / 3 Key Responsibilities/Accountabilities Determine customer requirements: Ensures that the team(s) attend to customers, understand what matters to the customer and delivers against those demands (i.e. determine the what, why, when, where and how). Ensures that the team(s) take ownership of every demand and provides the customer with an immediate response (depending on the nature of the demand) or facilitates the completion of the customer demand. Ensures that the teams understand the risks associated with the handling of the different demands (e.g., follows effective controls to minimise risk) this includes authentication of the customer to prevent disclosure of information to unauthorised persons (e.g., knows how to identify the customer). Takes customer demand to understand what matters to customers Meet customer expectations: Continuously coaches team(s) on system conditions that could hinder business and / or individual performance. Enable a learning environment where the team(s) skills are matched to customer demands. Ensure that customers complaints are resolved effectively within the prescribed timelines. Ensures that the team(s) are appropriately reflected on the Bank's systems to enable the correct flow of work. Assists with customer escalations, complaints and queries. Create the ability to act on failure demand and resolve for repeat instances. Act on the data to improve Capability of Response, delivery of what matters and eradicate failure demand through team engagement. Continuously assess what matters to the customer against the ability of processes and systems to meet the customers demand. Grow and create value: In conversing with customers, identify value demand opportunities: Ensures that all leads are logged correctly while connecting with the customer and identifies demand generation opportunities. Participates in specific campaigns and marketing activities as required. Proactively promotes the use of multiple channels to customers Accurately captures, updates or amends customer data Understand financial measures which includes OI, Assets, Liabilities, NIR, NII, Impairments and costs Providing directional support to the team to achieve customer led measures Data, analytics and reporting : Understands and solves for the changes and trends in data as it relates to. Eg. COR, failure, value demands, abandoned calls, handle time, volume of demand and time taken to respond. Assess and act on the capacity of the team to serve customer demand and solve in collaboration with the team. Facilitate the discussion on data with teams and facilitate the improvement of processes and methods based on data. Reviewing and analysing data daily to understand the performance of the team and determining what to act on. Actions and scrutinises relevant reports as per laid-down instructions. Ensures that revenue is recovered correctly for all types of transactions/services provided. Attends to customer demands (irrespective of communication channels) within the agreed timelines. Obtains documentation and assist with fraud and internal investigations, including special investigations. Reports losses for own team(s) according to laid down procedures and provides input to the investigation of losses. Ensures that finding sheets from Risk Assurance and Internal Audit has been responded and irregularities attended to according to laid down procedures. Ensure that the communication is shared and understood by team(s). Risk and compliance: Facilitate the process for team (s) to understand the risks associated with handling of high risk related demands. Facilitate the process of compliance to the FAIS act and build fit and proper teams that can handle demand. Ensures that a Risk Mitigation undertakes regular surprise checks and facilitate the process of corrective action. Ensures staff awareness in terms of fraud and fraud activities. People focus: Facilitation of team(s) outcomes, which includes driving performance, achieving aspirations and addressing skills gaps. Develops a high performing team by embedding the bank's performance process, regular performance feedback and coaching. Help the team understand their contribution to the overall performance through various tactics (including coaching). Help the team to adopt and apply the methods designed to assist in serving customer demand. Motivates team members and ensures that they receive recognition for work well done. Maintains a people plan for the team(s) which includes succession planning for critical roles, talent engagement and personal development plans. Facilitation of the decision-making process. Enable team (s) to pull on resources to make decisions. Provide team (s) with the rights tools and knowledge to take customer demand. Determines development needs of the team and ensures that development opportunities (training, rotation, on-the-job learning) are budgeted for and executed. Follow the agreed selection process for new members of the team(s), aligned to the local Workforce Management Plan. Accountable for the onboarding, induction and orientation of new team members. Collaboratively ensuring that there is a sufficient number staff in place to meet the fluctuating demands of customers by effectively interpreting and actioning on available data like call volumes, handle time, time spent on improvement work. Monitors staff costs and create action plans to address wastage and leakage (where relevant). When required, initiates and or follow people processes which includes resolving of grievances, disciplinary matters and any disputes. Understands the reasons for individual banker variation in capability and uses the correct approach to solve for this which may relate to system conditions, knowledge, behaviour etc Typically 10 or more Direct Reports. Successful delivery of outputs would be measured as follows: Customer satisfaction rating. Minimised customer hand offs. Customer demand perfectly delivered without any ‘comebacks'. Endeavour to do only value work. Meet what matters to the customer (within laid-down policies and procedures). Improvement on capability of response. Highlighting and acting on areas of improvement. Effective people management (e.g., perform to grow, skills development, reward and recognition). Preferred Qualification and Experience Minimum Qualifications: Degree Field of study: Business Commerce Relevant qualification with RE5 5-7 Years Previous experience in the front line. Knowledge of retail and commercial products required for understanding the context of stated customer demands. Knowledge of the procedures and the interdependencies of the various functions performed in Branch (Voice and Physical). Knowledge/Technical Skills/Expertise Customer Understanding Product Knowledge Application and Submission Verification Processing Customer Acceptance and Review Banking Process and Procedures Heart of Customer Experience Client Retention Customer and Client Focused Innovation Driving Delivery of Results Leading Courageously Inspiring Performance for Execution Growing Capability

Job Details Retail & Business Banking Job Purpose To provide appropriate financial and estate planning advice to a selected portfolio / segment of Standard Bank customers and offer appropriate financial solutions to solve for their financial needs through the set digital framework of V&D Key Responsibilities/Accountabilities Financial and estate planning advice and financial solutions Prospects for new business opportunities in the selected segments and explore business expansion opportunities with existing clients. Contributes to the enablement of a universal services organisation by identifying other relevant opportunities / leads and advising relevant business partners accordingly. Analyses and assesses clients' current and future financial and estate planning needs. Develops appropriate proposals in line with customer requirements and in line with suite of existing solutions (e.g., prepare quote, issue and amend quote, record advice, fulfil contract and requirement management). Applies product and service knowledge to meet client needs. This includes providing financial and estate planning advice to clients as well as the packaging, structuring and tailoring of financial solutions to secure profitable business in the identified market segment. Relationships with internal network Establishes and builds strong relationships with staff within own network (i.e., branch, suite) in order to maximise business opportunities. Acts as SME for all SBFC (V&G) matters and provides appropriate support and guidance to staff (e.g., service consultants within Voice & Digital). Builds and maintains an internal third-party relationship network with product suppliers and distribution channels in the Group including Corporate Investment Banking, Stanlib and Liberty. Promotes a professional image and displays exemplary behaviour. Ensures that synergies and teamwork needed to optimise sales and service delivery is in place. Remains abreast of all RBB business drivers in order to provide appropriate level of SBFC support (e.g., RBB scorecards, processes, products, etc.). Provides input and feedback on the suitability of solutions to relevant stakeholders (e.g., Product, Wealth, etc.) based on interactions with customers. Maximises utilisation of the internal and external network to achieve business objectives and targets. Relationships with new and/or existing clients Maintains a visible and active presence within own network to build and expand relationships with new and potential clients. Maintains relationships with existing clients through regular follow-up calls / contact. This includes proactive anticipation of client needs and the provision of sound financial advice that will attract and retain business and market share. Provide a service to customers Ensures that client information is electronically updated and distributed to them on a proactive basis. Maintains regular contact with existing customers to ensure that their needs are effectively serviced - schedules appointments accordingly. Deals with daily customer service requests, queries and complaints within the defined service level timeframes. Reviews client portfolios on an annual basis and records it accordingly. Services and amends policies as required. Remains abreast of all relevant changes within the financial advisory industry (e.g., legislation, broader economy, trends, technology, etc.) in order to apply this knowledge to own customer base. Measures Achievement of agreed financial objectives (e.g., growth in revenue, achievement of sales targets) Achievement of customer service levels (Customer feedback) Adherence to risk and compliance requirements Stakeholder feedback as gauged by internal network Preferred Qualification and Experience Minimum Formal Qualification Diploma Finance and Accounting Diploma Legal Prefered Qualification Preference for B.Comm Finance / Legal degree Certified Financial Planner / Wealth management certificate Minimum required qualification and experience in terms of FAIS fit and proper requirements Valid driver's license Knowledge/Technical Skills/Expertise 3 - 4 years Personal & Business Banking

Job Details Retail & Business Banking Job Purpose To provide appropriate financial and estate planning advice to a selected portfolio / segment of Standard Bank customers and offer appropriate financial solutions to solve for their financial needs through the set digital framework of V&D Key Responsibilities/Accountabilities Financial and estate planning advice and financial solutions Prospects for new business opportunities in the selected segments and explore business expansion opportunities with existing clients. Contributes to the enablement of a universal services organisation by identifying other relevant opportunities / leads and advising relevant business partners accordingly. Analyses and assesses clients' current and future financial and estate planning needs. Develops appropriate proposals in line with customer requirements and in line with suite of existing solutions (e.g., prepare quote, issue and amend quote, record advice, fulfil contract and requirement management). Applies product and service knowledge to meet client needs. This includes providing financial and estate planning advice to clients as well as the packaging, structuring and tailoring of financial solutions to secure profitable business in the identified market segment. Relationships with internal network Establishes and builds strong relationships with staff within own network (i.e., branch, suite) in order to maximise business opportunities. Acts as SME for all SBFC (V&G) matters and provides appropriate support and guidance to staff (e.g., service consultants within Voice & Digital). Builds and maintains an internal third-party relationship network with product suppliers and distribution channels in the Group including Corporate Investment Banking, Stanlib and Liberty. Promotes a professional image and displays exemplary behaviour. Ensures that synergies and teamwork needed to optimise sales and service delivery is in place. Remains abreast of all RBB business drivers in order to provide appropriate level of SBFC support (e.g., RBB scorecards, processes, products, etc.). Provides input and feedback on the suitability of solutions to relevant stakeholders (e.g., Product, Wealth, etc.) based on interactions with customers. Maximises utilisation of the internal and external network to achieve business objectives and targets. Relationships with new and/or existing clients Maintains a visible and active presence within own network to build and expand relationships with new and potential clients. Maintains relationships with existing clients through regular follow-up calls / contact. This includes proactive anticipation of client needs and the provision of sound financial advice that will attract and retain business and market share. Provide a service to customers Ensures that client information is electronically updated and distributed to them on a proactive basis. Maintains regular contact with existing customers to ensure that their needs are effectively serviced - schedules appointments accordingly. Deals with daily customer service requests, queries and complaints within the defined service level timeframes. Reviews client portfolios on an annual basis and records it accordingly. Services and amends policies as required. Remains abreast of all relevant changes within the financial advisory industry (e.g., legislation, broader economy, trends, technology, etc.) in order to apply this knowledge to own customer base. Measures Achievement of agreed financial objectives (e.g., growth in revenue, achievement of sales targets) Achievement of customer service levels (Customer feedback) Adherence to risk and compliance requirements Stakeholder feedback as gauged by internal network Preferred Qualification and Experience Minimum Formal Qualification Diploma Finance and Accounting Diploma Legal Prefered Qualification Preference for B.Comm Finance / Legal degree Certified Financial Planner / Wealth management certificate Minimum required qualification and experience in terms of FAIS fit and proper requirements Valid driver's license Knowledge/Technical Skills/Expertise 3 - 4 years Personal & Business Banking

Job Details Retail & Business Banking Job Purpose To provide appropriate financial and estate planning advice to a selected portfolio / segment of Standard Bank customers and offer appropriate financial solutions to solve for their financial needs through the set digital framework of V&D Key Responsibilities/Accountabilities Financial and estate planning advice and financial solutions Prospects for new business opportunities in the selected segments and explore business expansion opportunities with existing clients. Contributes to the enablement of a universal services organisation by identifying other relevant opportunities / leads and advising relevant business partners accordingly. Analyses and assesses clients' current and future financial and estate planning needs. Develops appropriate proposals in line with customer requirements and in line with suite of existing solutions (e.g., prepare quote, issue and amend quote, record advice, fulfil contract and requirement management). Applies product and service knowledge to meet client needs. This includes providing financial and estate planning advice to clients as well as the packaging, structuring and tailoring of financial solutions to secure profitable business in the identified market segment. Relationships with internal network Establishes and builds strong relationships with staff within own network (i.e., branch, suite) in order to maximise business opportunities. Acts as SME for all SBFC (V&G) matters and provides appropriate support and guidance to staff (e.g., service consultants within Voice & Digital). Builds and maintains an internal third-party relationship network with product suppliers and distribution channels in the Group including Corporate Investment Banking, Stanlib and Liberty. Promotes a professional image and displays exemplary behaviour. Ensures that synergies and teamwork needed to optimise sales and service delivery is in place. Remains abreast of all RBB business drivers in order to provide appropriate level of SBFC support (e.g., RBB scorecards, processes, products, etc.). Provides input and feedback on the suitability of solutions to relevant stakeholders (e.g., Product, Wealth, etc.) based on interactions with customers. Maximises utilisation of the internal and external network to achieve business objectives and targets. Relationships with new and/or existing clients Maintains a visible and active presence within own network to build and expand relationships with new and potential clients. Maintains relationships with existing clients through regular follow-up calls / contact. This includes proactive anticipation of client needs and the provision of sound financial advice that will attract and retain business and market share. Provide a service to customers Ensures that client information is electronically updated and distributed to them on a proactive basis. Maintains regular contact with existing customers to ensure that their needs are effectively serviced - schedules appointments accordingly. Deals with daily customer service requests, queries and complaints within the defined service level timeframes. Reviews client portfolios on an annual basis and records it accordingly. Services and amends policies as required. Remains abreast of all relevant changes within the financial advisory industry (e.g., legislation, broader economy, trends, technology, etc.) in order to apply this knowledge to own customer base. Measures Achievement of agreed financial objectives (e.g., growth in revenue, achievement of sales targets) Achievement of customer service levels (Customer feedback) Adherence to risk and compliance requirements Stakeholder feedback as gauged by internal network Preferred Qualification and Experience Minimum Formal Qualification Diploma Finance and Accounting Diploma Legal Prefered Qualification Preference for B.Comm Finance / Legal degree Certified Financial Planner / Wealth management certificate Minimum required qualification and experience in terms of FAIS fit and proper requirements Valid driver's license Knowledge/Technical Skills/Expertise 3 - 4 years Personal & Business Banking

Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful individual to help us fulfil our business objectives and build customer loyalty. Job Purpose To provide a basic, branch-based Business Banking sales and service function to a portfolio of Small Enterprise (SE) customers requiring uncomplicated and standardised financial product solutions. Key Responsibilities/Accountabilities Drive Transaction Led-Customer Acquisition: Promotes and sells a range of appropriate Standard Bank of South Africa (SBSA) product offerings and solutions that meet the financial needs of small business customers. Forges business partnerships with Business Banking stakeholders in the province to leverage the interplay between Personal Banking and Business Banking for optimal growth and retention. Acquires and opens new business accounts and cross sells at account origination according to customer needs. Cross-sells additional products and services to existing customers. Identifies and refers sales leads to Business stakeholders e.g. Vehicle and Asset Finance; Electronic Banking (Business Online); SBFC; SBIB; Card; Home Loans; etc. Actions lead lists provided from direct marketing. Ensures that all leads are logged correctly in the presence of the customer and ensures cross selling opportunities are identified. Identifies and actions opportunities for cross- and up-sell. Identifies migration opportunities and sells products/services reactively. Customer Experience: Provides a simple and convenient offering to a portfolio of small enterprise customers. Proactively contacts Top 20 percent of customer in line with SE value proposition. Interacts with customers and conducts needs analyses to assist customers to better understand their financial requirements. Accurately and efficiently processes customer mandates/ documentation requirements for banking facilities. Educates customers regarding the parameters and routine procedures governing standard SE product and self-service channel offerings to ensure the correct customer behaviour and product usage. Ensures that all new service requests (queries and complaints) are logged correctly, as either a first contact resolution” or “non-first contact resolution” as appropriate. Ensures that service requests in personal work list are actioned within agreed timelines. Ensures accurate capture, updates or amendments of customer information and history notes. Compliance: Complete all compliance training within laid down timelines Economic Profit: Responsible for the achievement of financial budgets through optimal growth of balances, margin management and revenue streams. Achieves financial budgets in line with Regional dynamics. Effectively manages pricing concessions and revenue collection. Portfolio Management: Contacts customers in order to arrange appointments or discuss any sales opportunities. Arranges face to face appointments as per customer request. Maintains and updates customer information on the necessary systems. Lending Support and Risk Management: Explains credit loan facility options and qualifying criteria to customers. Supports customers in the completion of credit application information requirements e.g. personal balance sheets, cash flow statements, financial statements and management accounts. Processes scored credit applications within the confidential limit of authority and Behavioural Risk Indicator (BRI) scores. Notifies customers regarding the approval or decline of credit loan facilities. Captures applications for all lending products. Actions credit violation reports daily as per laid down procedures. Ensures that the Know Your Customer (KYC) reports and Enhanced Due Diligence (EDD) reports are actioned timeously. Ensures that all Business Banking reports are actions as per laid down procedures. Legislative Compliance: Supports the implementation of the Financial Intelligence Centre Act (FICA) to ensure adherence to record keeping requirements Supports the SE Business Banking to ensure compliance to all applicable legislative requirements such as National Credit Act, Companies Act, Consumer Protection Act, etc. Ensures the adherence to all internal risk related policies and guidelines. Preferred Qualification and Experience Matric Studying towards a Relevant business related tertiary qualification e.g. B.Comm degree is a pre-requisite Must complete one of the Qualifications listed on the FSB recognised list within the allocated time Must complete the RE 5 examination within the allocated time Knowledge/Technical Skills/Expertise Knowledge: Good numerical skills, business acumen and financial acumen to interpret financial statements, balance sheets and basic financial ratios. A thorough knowledge of standardised business banking transactional products and other core products relevant to small enterprises. Good knowledge of Personal Banking product offerings. A basic knowledge/awareness of financial investment options, home loans (business mortgage), cards, merchant services, vehicle and asset finance and electronic banking options for lead generation purposes. A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of collateral and balance sheets. A working knowledge of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the Small Enterprises segment and the legislative restrictions & requirements governing these from a financial services perspective. A basic knowledge and understanding of the Companies and Intellectual Properties Registration Act (CIPC) for correct documentation/ mandate preparation purposes. Knowledge of competitor offerings. Knowledge of the Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA) and the National Credit Act (NCA). A working knowledge of Managing Regional (MLM) sales principles and practices to manage and optimise portfolio retention and growth. Understanding and support of the bank's multi-channel environment. Experience: 2 to 3 years Business Assistant experience to the Business Manager is ideal. Previous experience within the Personal/Consumer banking environment as a Customer Consultant/Personal Banker and/or Enquiries Officer is preferable. Must have relevant intermediary experience in respect of the FAIS product subcategories applicable to this role. Technical Competencies: Computer literate Good communication skills Good numerical skills Good mentoring and coaching skills Good negotiation skills Personal Competencies: Has the need to focus on one task and complete it thoroughly. Goal directed and persistent. Enjoys researching, sourcing and gathering information and ideas. Enjoys working with clients, analysing their needs, negotiating and selling/servicing. Ability to source, analyse and act on one's knowledge of the customer. Ability to create and maintain quality customer interactions. Ability to elicit and appropriately act upon customer feedback. Ability to analyse a single source of customer information to assess potential customer needs. Ability to effectively communicate with customers via various channels and display knowledge of the entire bank value chain and how hand-offs work between business areas. Ability to generate deep customer insights through communication skills. Ability to operate within a service-focused environment. Ability to link offering and financial solutions knowledge to meet customer needs. Ability to identify and action opportunities for cross- and up-sell. Ability to display a customer service orientation (pro-active display of service, gives customer “more than what they want”). Ability to engage with customers in a mutually beneficial manner.

Overview You are responsible for the co-ordination of operational activities within a multi-disciplined environment, assuming full responsibility for all key performance indicators. Purpose and Objectives To effectively manage and control inventory systems and processes The achievement of budgeted and agreed financial targets To ensure effective utilisation of all people resources to drive productivity to targets To control and ensure accountability for damage and poor maintenance of company assets (scanners, machines, racking, etc) To analyse, interpret and report business information in order to facilitate process improvement and improved financial performance To engage, network and communicate with internal stakeholders, vendors, suppliers and stores to ensure swift query resolution and ensure improved business performance To deliver high levels of service to stores through accurate, on time deliveries, minimal damages and effective communication To enforce adherence to safety procedures, co-ordinate and manage emergencies ensuring a safe working environment To lead and direct the department to achieve consistent process compliance and adherence to all relevant company SOPs, cutoffs and daily reports To ensure weekly meetings with labour brokers to address poor performance, damage to property and or stock, short supply of labour, scheduling issues and control and approval of costs Requirements Qualification and Experience Required: Essential: Matric Essential: National Diploma in Operations Management; B. Tech Degree in Logistics Management or the equivalent qualification Essential: 5 Years experience within Operations, including stock management, Health and Safety, productivity measures Essential: 5 Years Warehouse Management experience, including SOP implementation, staff management, reporting, analysis, supplier/customer dealings, risk assessment, productivity improvements , cost improvements Essential: Good technical warehouse experience, including stock flow Essential: 2 Years Warehouse Automation, including induction, technical fault finding Job Knowledge and Related Skills: Knowledge of warehouse procedures (receiving, pack away, replenishment and checking and packing) Business and management principles involved in resource allocation, human resources modelling, leadership techniques, co-ordination of people and resource Product Knowledge (hazardous, scheduled etc) Special handling of stock (HFD - Habit forming drugs, Cytotoxic) Standard operating procedures (SOP's for Pharmaceutical Wholesale) Knapp and OSR (WHS automation) reporting system. Good organisational and planning skills Excellent written and verbal communication Good attention to detail and accuracy Analysing of operational statistics Persuading and Influencing others Computer literacy (Minimum Intermediary level Excel and PowerPoint skills) Continuous process improvement Competency Requirements Delivering Results and Meeting Customer Expectations Leading and Supervising Persuading and Influencing Planning and Organising Adhering to Principles and Values Deciding and Initiating Action Analysing · Following Instructions and Procedures All positions will be filled in accordance with our Employment Equity plan. We also encourage people with disabilities to apply. Kindly note only applicants who meet the minimum requirements will be contacted