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*

\xc2\xb7 To execute and deliver towards the growth of Personal Baking Mortgages business in line with Group\xe2\x80\x99s strategies.

• Achieve individual financial and non-financial targets while contributing towards team\xe2\x80\x99s overall deliverables through:
• Effectively generating new business \xe2\x80\x93 identify prospects and convert in line with the Bank\xe2\x80\x99s strategy

\xc2\xb7 In consultation with the Team Leader, draw up monthly plans for achieving new business and customer acquisition goals committed.

Business*

\xc2\xb7 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.

\xc2\xb7 Understand client needs for mortgage financing, structure proposed solution and close the sale further to credit approval.

\xc2\xb7 Understand and uncover client\xe2\x80\x99s other financial needs and refer relevant retail and wealth products

\xc2\xb7 Working alongside Employee Banking and segment team to include Mortgage offers as part of corporate offers as part of cross-sales activities.

Processes*

\xc2\xb7 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.

\xc2\xb7 Conduct regular scheduled visits and develop constant engagement with all dealers, developers and mortgage brokers aligned to country engagement model and strategy.

\xc2\xb7 Ensure that prospects and existing customers are clearly communicated about the bank charges/terms and conditions.

\xc2\xb7 Ensure \xe2\x80\x9cCustomer Due Diligence\xe2\x80\x9d requirements as prescribed by the bank are duly adhered to. All the legal and compliance guidelines provided by the bank are adhered to.

\xc2\xb7 Data confidentiality and secrecy norms of the bank are fully adhered to.

\xc2\xb7 Ensure that all applications (Account opening forms or loan application form) are being cross-checked prior to submission

\xc2\xb7 Ensure that sales process prescribed by the bank is fully adhered to.

\xc2\xb7 Ensure full awareness of all policies related to Mis-selling etc., & comply the same.

\xc2\xb7 Maintain complete and detailed knowledge of all the assigned products

\xc2\xb7 Maintain accurate and up to date activity records.

People & Talent*

\xc2\xb7 Embed the Group\xe2\x80\x99s values and culture

\xc2\xb7 Coach peers and more junior staff as appropriate

\xc2\xb7 Partner effectively with internal stakeholders to deliver effective client solutions.

Client engagement

\xc2\xb7 Closing deals

\xc2\xb7 Ability to drive and manage client interaction

\xc2\xb7 Good communication & presentation skills

\xc2\xb7 Negotiation and objection handling

\xc2\xb7 Client training on digital solutions

Journey completion

\xc2\xb7 Discipline and good time management to handle client needs

\xc2\xb7 Ability to solve problems and close issues without handing over

\xc2\xb7 Strong analytical ability

\xc2\xb7 Understanding of CDD principles

\xc2\xb7 Interpersonal and complaint handling skills

\xc2\xb7 Bank\'s product knowledge

\xc2\xb7 Understanding of policies and procedures

\xc2\xb7 The Association of Banks in Malaysia / Bank Negara Foreign Exchange Administration regulations

\xc2\xb7 Branch Operations Manual (WEBOM) /MIC/ group circulars/bank policy and tariff of charges

Risk Management*

\xc2\xb7 Ensure the operation is being compliant and meeting all regulatory requirements

Governance*

Ensure Compliance with regulatory requirements pertaining to:

\xc2\xb7 Bank\xe2\x80\x99s Group Policy & Standards

\xc2\xb7 Local Laws and Regulations

\xc2\xb7 Bank\xe2\x80\x99s Code of Conduct.

\xc2\xb7 Customer Data Confidentiality

\xc2\xb7 Money Laundering

\xc2\xb7 Customer Due Diligence

Regulatory & Business Conduct*

\xc2\xb7 Display exemplary conduct and live by the Group\xe2\x80\x99s Values and Code of Conduct.

\xc2\xb7 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.

\xc2\xb7 Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders*

\xc2\xb7 All levels of staff inclusive of Group level

\xc2\xb7 External - Clients and Lawyers

Qualifications*

Training, licenses, memberships and certifications

Product broadening

\xc2\xb7 Minimum diploma/degree in any discipline

\xc2\xb7 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

\xc2\xb7 Excellent interpersonal, communication and networking skills.

\xc2\xb7 Good command in English is needed

\xc2\xb7 Strong problem solving and good customer relationship management skills

\xc2\xb7 Self-motivated with a strong sense of initiative, driven and resilience

ROLE SPECIFIC TECHNICAL SKILLS AND COMPETENCIES AND PROFICIENCY LEVELS*
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.

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