Mortgage Specialist

Job Summary

The position is responsible to acquire the prospect customer with a solution-based approach by understanding the customer’s business needs for lending (specifically Home finance) with the aim of enhancing revenue, identifying opportunities and providing value added solutions, therefore achieving long term sustainable growth

Key Responsibilities

• Assists clients in navigating the mortgage application process.
• offering expert advice on Home Finance options and financial products.
• evaluate client financial situations.
• Strong communication and analytical skills are essential, as well as a thorough understanding of mortgage regulations and market trends.
  
  

Strategy

• Evaluate and recommend approval of commercial and residential real estate finance.
• Advise borrowers on financial status and methods of payments.
• Meet in person with prospect customers to obtain information for loan applications, perform need base analysis and to answer questions about the process.
• Analyse applicants' financial status, credit worthiness, and property expected value to determine feasibility of granting loans.
• Explain to customers different types of available product options as well as the terms and features of those services / products with special emphasis on Home finance
  
  

Business

• Meet Business objectives by delivering Month on Month sales budgets and ensuring to deliver Rupees 3.6MM NSR per quarter
• On boarding 3 units in a quarter (secured Asset commercial booking) as per the score card requirement.
• Evaluate and recommend approval of commercial and residential real estate finance.
• Advise borrowers on financial status and methods of payments.
• Meet in person with prospect customers to obtain information for loan applications, perform need base analysis and to answer questions about the process.
• Analyse applicants' financial status, credit worthiness, and property expected value to determine feasibility of granting loans.
• Explain to customers different types of available product options as well as the terms and features of those services / products with special emphasis on Home finance
• procedures of bank and business.
• Stay abreast with changing market dynamics and developments and act in accordance to customer’s need.
  
  

Processes

Ensure compliance with group policy standards, local laws and regulations, and controls and procedures of bank and business.

Risk Management

• Responsible to adhere and commit to Group code of Conduct.
• Responsible to report all irregular/suspicious activities to the line manager.
• Responsible to maintain good behaviour & integrity with customers and internal stakeholders at all times
• To ensure that all terms & agreements in contract are understood and followed during the course of the job
• To stay equipped on AML/CDD guidelines/policies/procedures/compliance framework and audits
  
  

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together We

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
  
  

What We Offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.