Job Summary

•    To source for prospective clients (Personal, Priority and Business Banking) for mortgage loans through alliance tie-ups such as real estate agents, mortgage brokers, developers & lawyers.
•    Understand client needs for mortgage financing, structure proposed solution and close the sale further to credit approval.  

Key Responsibilities

The Priority Mortgage Relationship Manager will join our Mortgages Team based in Petaling Jaya Office. The job holder is responsible for driving mortgage sales growth by acquiring new customers and deepening relationships with existing clients, also to involves actively prospecting for potential customers, providing comprehensive financial advice, and ensuring a seamless customer experience throughout the mortgage application process. Non people leader

Business
•    Source for prospective clients (Personal, Priority and Business Banking) for mortgage loans through alliance tie-ups such as real estate agents, mortgage brokers, developers & lawyers.
•    Understand client needs for mortgage financing, structure proposed solution and close the sale further to credit approval.
•    Understand and uncover client’s other financial needs and refer relevant retail and wealth products
•    Working alongside EB and segment team to include Mortgage offers as part of corporates offers as part of cross-sales activities

Processes
•    Ensure adherence to concerned policies including on call reports, appointments with customers and pipeline management to ensure timely completion of end to end mortgage process.
•    Conduct regular scheduled visits and develop constant engagement with all dealers, developers and mortgage brokers aligned to country engagement model and strategy.

Risk Management
•    Ensure a full understanding of the risk and control environment in area of responsibility

Regulatory & Business Conduct

•    Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
•    Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

•    Country Client Acquisition, Country Relationship Business Banking and Employee Banking teams

Other Responsibilities
•    Ensure that prospects and existing customers are clearly communicated about the bank charges/terms and conditions.
•    Ensure “Customer Due Diligence” requirements as prescribed by the bank are duly adhered to. All the legal and compliance guidelines provided by the bank are adhered to.
•    Data confidentiality and secrecy norms of the bank are fully adhered to.
•    Ensure that all applications (Account opening forms or loan application form) are being cross-checked prior to submission.
•    Ensure that the sales process prescribed by the bank is fully adhered to.
•    Ensure full awareness of all policies related to Mis-selling etc. & comply the same.
•    Maintain complete and detailed knowledge of all the assigned products.
•    Maintain accurate and up to date activity records.

Skills and Experience

Must-have Skills    
•    Action Oriented
•    Collaborates
•    Customer Focus

Other Skills    

•    Strategic Mindset
•    Courage
•    Decision Quality
•    Nimble Learning

Qualifications

Key Experiences    
•    More than 5 years of experience in mortgage, preferably in the banking or financial industry.
•    Strong sales and negotiation skills.
•    Knowledge of mortgage products and the property market is an added advantage.
•    Excellent communication and interpersonal skills.
•    Ability to build strong customer relationships.
•    Possess a valid driving license as the role requires travelling. 

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• 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 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.

Visit our careers website to learn more about us: www.sc.com/careers.