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
- Assist clients through the end-to-end mortgage application process, providing expert advice on home finance options and related products.
- Meet prospective customers in person to gather information for loan applications, perform needs-based analysis, and address queries on processes and requirements.
- Analyse applicants’ financial status, creditworthiness, and property value to determine the feasibility of granting commercial and residential real estate finance.
- Evaluate and recommend approval of mortgage facilities in line with bank policies, risk appetite, and regulatory requirements.
- Explain product options, features, terms, and conditions clearly to customers, with a particular focus on home finance solutions.
- Achieve business objectives by delivering monthly sales budgets and ensuring quality onboarding of secured asset bookings as per scorecard requirements.
- Stay abreast of market trends, competitor offerings, and regulatory changes to tailor solutions to customer needs.
- Ensure full compliance with Group policies, local laws and regulations, AML/Customer Due Diligence guidelines, and internal controls and procedures.
- Maintain high standards of conduct, integrity, and professional behaviour with customers and internal stakeholders, and promptly report any irregular or suspicious activities.
- Ensure all contractual terms and agreements are clearly understood, communicated, and adhered to throughout the customer lifecycle.
Skills and Experience
Proven ability to build and maintain strong customer relationships
Strong sales acumen with a track record of meeting or exceeding sales targets
In-depth knowledge of home finance products and services
Effective negotiation skills
Strong analytical and problem-solving skills
Hand-on experience in mortgage lending, home finance, or related financial services
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.
