SUMMARY:
Home Loan Specialist

POSITION INFO:

Role Overview – Home Loan Specialist

• This is an external sales role within a fast-paced, target-driven environment. The consultant will be responsible for managing their own pipeline, generating leads, and converting deals.
• Support includes full onboarding, product training, and access to marketing tools.
• Actively engage in prospecting potential home loan clients by leveraging lead providers (Estate Agents, Bond originators, direct to client) and direct marketing, utilizing needs analysis-based selling techniques. Facilitate the movement of existing home loans from other financial institutions to or offer tailor-made home finance packages accompanied by exceptional service.

Source Potential Leads:

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

Identify needs:

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

Match Product Offerings to Needs:

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

Explain Final Approval and Successful Closing:

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

Maintain customer contact and Follow-up:

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

Applications capture and file construction:

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

Ideal Candidate Profile:

• 2–3 years of external sales experience (real estate, finance, insurance, etc.)
• Self-motivated, confident, and proactive
• Own reliable vehicle & valid driver’s license
• Clear credit record (no debt review or adverse listings)
• Experience in proactively prospecting in a pressurized sale environment.
  • Strong administrative skills
  • Marketing
  • Experience in sales within a self-sourcing environment, adept at proactively generating leads.

Salary Package & Commission:

Basic Salary: R15,000 (Non-negotiable) Settling-In Allowance:

R10,000 (Months 1–3)

R6,000 (Month 4)

R5,000 (Month 5)

R3,000 (Month 6)

Commission: 0.3% on deals closed (R2.5M monthly target)

Full details on commission structure and expectations will be covered in the interview.

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