Susan Röth
Sales, Client Service & Administration Professional
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About
More than 25 years in front line sales and client service across South African banking and motor retail. Welcomes and wins clients face to face, runs the administration behind every sale from application to payout, and keeps records, reporting and compliance in order. Builds referral networks, runs campaigns and events, and works fluently in English and Afrikaans. Ranked 1st nationally on Nedbank's Banker-on-Call ladder and a repeat Area Excellence award winner.
Experience
Mortgage Specialist - Bond Excel & Mortgagemax - Western Cape
(2019-09)
Independent home loan origination for residential buyers, placing applications across all major South African banks.
- Run the full cycle from first interview to registration: needs assessment, affordability and credit checks, pre-qualification, digital submission and follow through to approval and payout.
- Keep clients, agents and attorneys informed daily on every deal in progress, by phone and email.
- Negotiate interest rates with banks on clients' behalf and structure deposit, term and loan type to fit each buyer.
- Motivate declined applications directly with bank credit departments to secure approvals.
- Maintain an active referral network of estate agents, attorneys and developers.
- Ensure every file meets FICA, bank policy and regulatory requirements before submission.
Home Loans Sales Consultant - Nedbank - Somerset Mall
(2015-11 - 2019-08)
Acquired and grew a home loan client base outside the branch network, working directly with the public, estate agents and developers.
- Developed micro marketing plans, ran campaigns and promotions, and identified events for sales opportunities.
- Submitted zero error digital applications and motivated deals and rate appeals with credit through to approval.
- Kept pipeline, daily visit and deals lost reporting current, with complete sales documentation to bank policy.
- Resolved client complaints under Nedbank's 'ask once' promise and answered all client communication timeously and accurately.
- Completed the Sales Growth Academy and Home Loan Sales Curriculum; maintained FAIS compliance.
- Recognised with Area Excellence and Top Quality Sales awards in 2016, 2017 and 2018.
Business Acquisition Manager - Nedbank Business Banking
(2012-06 - 2015-10)
Grew Nedbank's small business market share by winning new clients across the full banking product suite.
- Built a new client strategy from internal and external networks; led needs assessments and client interviews.
- Prepared and delivered written and verbal proposals, negotiated terms and closed deals with complete documentation.
- Cross sold by identifying financial needs and orchestrating specialist input on complex products and processes.
- Set the rules of client engagement for the client service team and handed over to Services Managers for implementation.
- Hosted client visits and entertainment; maintained the client database, call reports, pipeline and sales reports.
Banker-on-Call - Nedbank - Somerset West
(2009-01 - 2012-05)
Sold vehicle finance and home loans to clients outside the branch network through dealerships, estate agents, developers and Nedbank @ Work schemes.
- Actioned and converted leads, signed up new clients and cross sold vehicle finance and home loan products.
- Ran campaigns, promotions and call out plans; conducted client service reviews and motivated quality deals to credit.
- Maintained zero error applications, FICA compliance, call sheets and complete records of deals in progress and paid out.
Finance & Insurance Manager - Droomers Group - Somerset West
(2006-01 - 2008-12)
Welcomed clients to the dealership and structured vehicle finance and insurance to match their needs, with fast, efficient service through to payout.
- Handled applications, validations, rate negotiation and payouts, working with the four major banks and insurers.
- Grew second gross income through value added products, DIC and insurance on every deal.
- Built customer relationships that led to repeat and referral purchases.
Acquiring Consultant - Boland PKS / BoE Bank / Nedbank
(1998-01 - 2005-12)
Marketed and sold point of sale facilities to new and existing business owners, consistently meeting sales and service targets.
- Managed after sales service and grew BoE's market footprint through active prospecting and presenting promotional material to businesses.
Education
B.Econ - Business Economics & Business Psychology - University of Stellenbosch (1987)
Matric - Menlo Park High School (1983)
