Job Description

Role Responsibilities The job holder is responsible for acquiring new business, strengthening relationships with property developers, real estate agents, lawyers, and valuers to meet monthly sales targets in compliance with the Bank\'s policies. Also, to ensure that robust sales process, stringent service standards in compliance with local regulatory requirements are met Responsibilities . Strategy . . To execute and deliver towards the growth of Personal Baking Mortgages business in line with Group\'s strategies. Achieve individual financial and non-financial targets while contributing towards team\'s overall deliverables through: Effectively generating new business - identify prospects and convert in line with the Bank\'s strategy . In consultation with the Team Leader, draw up monthly plans for achieving new business and customer acquisition goals committed. 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 Employee Banking and segment team to include Mortgage offers as part of corporate 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. . 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 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. People & Talent . . Embed the Group\'s values and culture . Coach peers and more junior staff as appropriate . Partner effectively with internal stakeholders to deliver effective client solutions. Client engagement . Closing deals . Ability to drive and manage client interaction . Good communication & presentation skills . Negotiation and objection handling . Client training on digital solutions Journey completion . Discipline and good time management to handle client needs . Ability to solve problems and close issues without handing over . Strong analytical ability . Understanding of CDD principles . Interpersonal and complaint handling skills . Bank\'s product knowledge . Understanding of policies and procedures . The Association of Banks in Malaysia / Bank Negara Foreign Exchange Administration regulations . Branch Operations Manual (WEBOM) /MIC/ group circulars/bank policy and tariff of charges Risk Management . . Ensure the operation is being compliant and meeting all regulatory requirements Governance . Ensure Compliance with regulatory requirements pertaining to: . Bank\'s Group Policy & Standards . Local Laws and Regulations . Bank\'s Code of Conduct. . Customer Data Confidentiality . Money Laundering . Customer Due Diligence 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 . . All levels of staff inclusive of Group level . External - Clients and Lawyers Qualifications . Product broadening . Minimum diploma/degree in any discipline . Minimum 1 year of mortgage and/or loan experience will be advantageous, preferable those individuals with knowledge of banking products such as Credit Cards, CASA, Mortgage, Personal Loans, and Banca . Excellent interpersonal, communication and networking skills. . Good command in English is needed . Strong problem solving and good customer relationship management skills . Self-motivated with a strong sense of initiative, driven and resilience ROLE SPECIFIC TECHNICAL SKILLS AND COMPETENCIES AND PROFICIENCY LEVELS. Technical Competency Name: Proficiency Levels Example: Data Science Advanced 1.Functional Knowledge . Strong product knowledge of assets and liability product, operations, and process. . Strong analytical skill and core banking / asset products system knowledge. Core 2. Risk & Governance . Knowledge if employee sales governance framework Core 3. Client Experience Management . Ability in business planning relating to sales, product and service. . Digital savvy need to be comfortable with our digital platforms Core 4. Leadership and People Management . Interpersonal skills and ability to influence other functions. Core About Standard Chartered We\'re an international bank, nimble enough to act, big enough for impact. For more than 160 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 Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term 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, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with 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. Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you\'ve applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process. Visit our careers website

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