Home Loans Specialist

SUMMARY:
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POSITION INFO:

Role: Home Loans Specialist

Department: Sales
Type: Permanent
Reporting to: Regional Sales Manager
Location: Coastal Regions (Western Cape & KZN)
Work Model: Hybrid (Field-Based with Office Admin Days)

About the Opportunity

K2 Recruit is proud to represent a highly reputable brand in sourcing high-performing Home Loans Specialists.

This is a true hunter sales role, focused on new business development, switching clients from competitor banks, and building strong referral networks. Industry experience is advantageous but not essential — strong sales DNA is the key requirement. Full product and industry training (4 weeks) will be provided.

The business is seeking commission-driven, networked, and resilient sales professionals who understand how to generate their own leads and close consistently.

Job Purpose

To actively prospect and generate new home loan business by leveraging referral networks, estate agents, bond originators, direct-to-client marketing, and personal networking. The role involves facilitating the transfer of existing home loans from other financial institutions to the company or structuring tailored home finance solutions with exceptional client service.

Key Responsibilities

1. New Business Development & Lead Generation (Hunter Focus)

• Proactively source and generate new leads through networking and direct marketing.
• Build and maintain strong referral relationships with estate agents, financial professionals, and local community networks.
• Execute mall activations, community marketing initiatives, corporate presentations, and referral campaigns.
• Leverage personal and professional networks within the designated geographic area.
• Plan weekly routes and client visits strategically.

2. Client Needs Analysis & Pre-Qualification

• Conduct needs-based consultations using open-ended questioning techniques.
• Pre-qualify clients through affordability assessments and credit evaluations.
• Identify financial challenges and provide structured lending solutions.
• Maintain accurate lead tracking and pipeline management.

3. Solution Structuring & Sales Conversion

• Present tailored home loan solutions aligned to client needs.
• Explain application procedures and applicable credit criteria clearly.
• Manage full sales cycle from initial engagement to final approval.
• Clarify all terms and conditions and ensure client understanding prior to close.
• Achieve minimum monthly production target of R2.5 million.

4. Relationship Management & Referrals

• Maintain ongoing communication throughout the loan process.
• Provide consistent updates and clear explanations to clients.
• Request referrals post-approval and build long-term relationships.
• Position yourself as a trusted local home finance specialist.

5. Administration & Compliance

• Accurately capture and submit loan applications.
• Compile and submit all required supporting documentation.
• Ensure files are fully compliant and ready for processing.
• Maintain credit-clear and criminal-clear status (non-negotiable).

Minimum Requirements

• Matric qualification
• Own reliable vehicle and valid driver’s license
• Credit clear and criminal clear
• 2–3 years proven external sales experience
• Demonstrated ability to self-source leads
• Strong track record of meeting or exceeding targets

Preferred Experience

• Sales experience within banking, financial services, or home loans
• Relationship managers with strong hunter sales ability
• Experience operating in high-pressure, target-driven environments
• Strong network within local area (Tygervalley, Kenilworth, Somerset West, Durban, Ballito, Richards Bay)

Competencies & Profile

Core Attributes:

• Hunter mentality
• Commission-driven
• Resilient and target-focused
• Persuasive and confident
• Strong pipeline management
• Highly networked and area-aware

Technical & Professional:

• Strong planning and route management
• Accurate and systematic administration
• Market-oriented and commercially aware
• Ability to perform under pressure