Job Description

RESPONSIBILITIES Strategy 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. Business Understand client needs for mortgage financing, structure proposed solution and close the sale further to credit approval. Understand and uncover client&rsquos other financial needs and refer relevant retail and wealth products Working alongside EB 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. Reference the processes for which the role is responsible under the ORF as 1st & 2nd line for executing / completing, and for supervising People and Talent Basic banking products knowledge - Credit Cards, CASA, Mortgage, PL, Banca Market and competition knowledge 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 ABM rules / Bank Negara FEA regulations Branch Operations Manual (WEBOM) /MIC/ group circulars/bank policy and tariff of charges Risk Management Ensure a full understanding of the risk and control environment in area of responsibility Governance Ensure Compliance with regulatory requirements pertaining to: Bank&rsquos Group Policy & Standards Local Laws and Regulations Bank&rsquos Code of Conduct. Customer Data Confidentiality Money Laundering Customer Due Diligence Regulatory & Business Conduct Display exemplary conduct and live by the Group&rsquos 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. Lead Malaysia / Retail Banking / Client Acquisition (Price Solutions, TPSA & Personal Banking) to achieve the outcomes set out in the Bank&rsquos Conduct Principles Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. Serve as a Director of the Board of Price Solutions Malaysia Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association 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 &ldquoCustomer 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. Our Ideal Candidate Minimum diploma or degree holder Local regulatory requirements for certification/accreditations where required Preferably have previous experience in service, sales and prospecting in banking/non-banking industries Completion of Day 1 Readiness program as mandated for role Completion of mandatory e-learning modules as mandate by Bank and specific to role Good command of spoken and written language required for the role ROLE SPECIFIC TECHNICAL COMPETENCIES Manage Conduct Manage Risk Prospecting Client Pitching Account Planning Products 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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