Finance and Insurance

5 months ago

Pietermaritzburg, South Africa Ellahi Consulting Full time

Quality Pre-Owned Vehicle Sales Dealership and Division of a Leading International Car Rental Rental Group is seeking an experienced, target-driven and customer-centric F&I Consultant for their Pietermaritzburg Dealership.

**Overview: Essential individual competencies to be successful in the job**
**Academic Qualifications**
**Essential**:

- Matric
- Appropriate NQF 4 qualification with minimum 60
- FAIS credits or equivalent (if employed as F&I before Dec 2008)
- Retail Insurance Qualification and/or Generic qualification per Board
- Notice 105 of FSP (New F&I Business after Dec 2009)
- NCA accreditation
- Valid driver’s license

**Work Experience**
Essential:

- At least 5 Years’ experience in the F&I field

**Knowledge**
**Essential**:

- FAIS and FICA Compliancy
- Broad financial knowledge (APU, APL)
- Well-developed understanding of relevant legislation
- Well-developed knowledge of vehicle sales products and services
- Technical knowledge of all business processes and tasks related to the branch (functional Bank mandate expertise)
- Knowledge of bank mandate agreement Value Creation philosophy and techniques
- Understanding of trends in the insurance and motor industry
- Knowledge of Car Sales policies and procedure

**Skills**
**Essential**:

- Well-developed communication skills (including persuading and influencing) to sell products to customers
- Highly developed discretionary skills to negotiate within limits of authority
- Analytical and diagnostic skills to determine customer needs and to interpret reports
- Well-developed internal resilience (EQ) and interpersonal skills to build and maintain relationships
- Ability to build trust and create peace of mind with customer
- Computer, systems and technology skills (MS Office and Fusion literate)
- Developed numeracy skill

**Personal Attributes**
**Essential**:

- Customer centricity and focus
- Concern for working within parameters
- Preference for planning and organizing
- Focus on getting things done
- Orientation towards growing and nurturing relationships
- Preference for team working
- Strong inclination for change agility
- Focus on convincing and persuading

**Important**:

- Appreciation for challenging others with respect
- Remain resilient with stress and pressure
- Being optimistic
- Commitment to behaving correctly and ethically

**Competencies**
**Essential**:

- Managing tasks
- Pursing goals
- Meeting timescales
- Following procedures
- Checking things
- Upholding standards
- Convincing people

Important:

- Establishing rapport
- Team working
- Embracing change
- Thinking positively
- Showing composure
- Articulating information
- Seizing opportunities
- Examining information

**Overview: Job purpose and deliverables**
**Core purpose of the role**
To provide a service to potential buyers by selling finance, value added products and insurance so as to contribute positively to
second gross profit.

**Key deliverables and outputs**
**Strategic/Financial**
- Facilitate the arranging of finance for all branch customer
- Request FICA documentation from customer verified as per bank requirements
- If deal is approved by bank, submit FICA documents for validation immediately
- If deal is declined by bank, renegotiate finance with customer (e.g. larger deposit, cheaper car, less finance products, combined income, lower interest rate)
- Inform customer of outcome and explain approval criteria
- Inform Sales Representative of outcome
- Authorize costing sheet for the Sales Representative to invoice
- Deal file to be signed as all deals must be sighted by the Consultant: F&I Car Sales
- All documents are filed in the Deal file and placed in storage
- Insure adherence to the POPI Act

**Debtors**
- Resolve queries within same day or escalate to Manager
- Complete and submit month end report by 1st working day
- Filing of FAIS / FICA documentation is maintained as per ICE standard
- Manually signed warranties to be submitted to Head Office F&I Department by 3rd working day monthly
- All warranties to be incepted on the Fusion system

**Sales of Second Gross Products**
- Market and sell the optimum range of value-added products by determining customers’ needs and informing them of the product range available as per FAIS requirements
- Inform customer that comprehensive insurance quotation will be obtained externally and to expect phone call from provider, if applicable
- Capture insurance lead in the Fusion system
- Before closing the deal, summarise the products sold and resolve any queries as per FAIS/FICA requirements
- Request outstanding original FICA documents and insurance confirmation from the customer, prior to delivery of vehicle
- Inform customer of accepted methods of payment (e.g. EFT, bank cheque)
- Manage and promote the F&I process within the branch

**Settlements and Natis Documentation**
- Upon acceptance of trade-in / buy-in, contact bank and request settlement and NATIS documents immediately
- Hand over bank's settlem

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