⦁ To provide sales and customer interaction and business partner interaction support to the assigned Consultant: VAF Sales in province (where applicable) in the execution of VAF sales in the chosen segments and channels. ⦁ To maximise approval rates and drive take-up, resulting in increased payout levels and income generation across the assigned VAF portfolio. Key responsibilities New business development support ⦁ Supports the Consultant: VAF Sales in province (where applicable) in the attainment of new business targets in line with VAF’s chosen segment and channel strategies. ⦁ Supports the Consultant: VAF Sales in province (where applicable) in driving and securing quality business priced for and in line with targeted ROEs. ⦁ Responsible for preparation of credit applications and interventions (credit checks, VAF history, securities held, asset valuations). ⦁ Supplies client information on an ad hoc basis to the SBSA network when required. ⦁ Engages in “deal-making” with Credit, OSS (Operations Shared Services) and the customer (e.g., secures the ‘deal’, manages the application process and sells to the customer). ⦁ Ensures that business potential is identified and developed. ⦁ Gathers and submits information about competitor activity and market developments to the Team Leader: VAF Sales Centre. ⦁ Participates in daily Connect sessions, ensuring obstacles are identified and action steps are in place. Sales process management Facilitates the overall sales process through the value chain, particularly Credit and OSS processes: ⦁ Engages in daily activities which are focused on sales output. ⦁ Identifies and assesses all applications received within the value chain origination process. ⦁ Liaises with clients/dealers to obtain outstanding documentation in the credit process. ⦁ Prepares credit intervention requests (that follow pre-approved facilities) for submission to Credit. ⦁ Interacts with Credit, OSS (Operations Shared Services) regarding status of applications or contracts as part of the financing process. ⦁ Follows-up with application originators, in order to progress and close deals. ⦁ Proactively seeks means to provide an approval to the customer/dealer on an ‘as presented’ basis and in so doing negotiates either independently or through the team leader, with Credit, with the appropriate motivation. ⦁ Continually interrogates the work flow queues, in order to ensure that all applications are progressed through the value chain as smoothly and as quickly as possible. ⦁ Drives deal closure with dealers and customers and obtain reasons for non-take-up. ⦁ Negotiates and agrees interest rate requirements and appropriate terms and conditions within agreed mandates. ⦁ Follows through on any application until it has been approved, the contract has been drawn up and signed and the deal correctly and fully loaded to the relevant business unit. ⦁ Provides appropriate MIS and feedback to the Team Leader: VAF Sales Centre. ⦁ Proactively interacts with Finance and Insurance Consultants in order to build strong relationships. ⦁ Delivers a consistent, reliable and market-related service to the VAF customer and dealer base. Customer 1 st ⦁ Logging: ensures that every query, complaint and compliment is logged correctly the first time. ⦁ Updating: accurately updates customer contact details so that we are able to update customers regularly on the progress that the VAF Sales Centre is making on their enquiry or complaint. ⦁ Consistency: follows the agreed behaviours and processes to deliver customer experience without deviating,and creates a memorable and excellent experience. ⦁ Ownership: represents the bank, taking responsibility and owning the customer interaction until customer query resolution. Applications & Contracts ⦁ Identifies and assesses all applications received. ⦁ Pro-actively progresses the application through the value chain. ⦁ Pro-actively provides deal progress updates to the relevant dealership/F&I. ⦁ Follows up on minimum documents required for confirmation of income and confirmation of employment process. ⦁ Follows up on outstanding tax invoices for post-verified approved applications. ⦁ Prepares finance agreement (contract) after verification is finalised within the agreed turnaround time. ⦁ Ensures all application data is accurately verified in terms of laid-down procedures and a full audit of the applications is completed to ensure internal fraud is prohibited. ⦁ Ensures compliance with all credit, fraud and compliance processes, policies and procedures. ⦁ Understands when to refer to Credit and ensures timeous referral to Credit if credit criteria are not met on an application