About the job

• Job Type : Full Time

• Industry : Business Administration

• Education Level : Managerial Level

Job Description

 Job Purpose:

Required to grow Mortgage financing portfolio; Ensure the product is well positioned in the Market; Manage the end-to-end relationship of key stakeholders; Ensure the segment provides tailor made mortgage solutions which carters for the needs of the segment; Design sales strategies and ensure smooth execution for the growth of portfolio across the network.

Main Responsibilities:

• Identify customer segment needs and ensure development of appropriate tailor-made mortgage solutions.
• Ensure well defined and seamless process on the mortgage lending solutions to customers.
• Proactively nurture and leverage sustainable, robust stakeholder relationships, coalitions and network internally and externally (Committees, Government Bodies/Officials, regulators, Banks, Community and Private entities).
• Ensure strategic agenda is delivered to the required standard in order to drive different mortgage financing options (Purchase, Construction, Refinancing, Semi Finished and others).
• Design sales strategies and embed sales culture across the network.
• Designing the annual action planning for the overall Mortgage portfolios and ensure it is executed by the Relationship Managers and the branches
• Support the Manager Mortgage Financing to forecast future market trends and translate these into segment level strategy to create and sustain competitive advantage.
• Ensure leads generation directly or through branches for all the personal lending products with a key focus on mortgage finance.
• Manage the segment sales and revenue with the key focus to increase profitability.
• Conduct business/sales discussions and negotiations for the purpose of generating relevant business with stakeholders, prepare business proposals for decision-making to the relevant committees.
• Ensure continuous product improvement and digitization of mortgage processes.
• Be an effective agent of change and role model for Relationship Managers and Branch network.
• Establish, strengthen and manage relationships with all the key stakeholders in the mortgage financing i.e. Real Estate developers as well as at individual official level.
• Prepare budget and projections for the products, including existing as well as prospective and potential clients; Co-ordinate budget objectives to respective areas of responsibilities and ensure targets are achieved as per the approved budget.
• Monitor and review branch performance on this portfolio to ensure targets are met and the quality of the portfolio is maintained.
• Work closely with the existing Real estate partners and recruit more strategic partners for the mortgage loan business while ensuring the relationship is well maintained.
• Be conversant with policies, procedures and market trends pertaining to all bank products and services and be able to adapt to change based on technological advancements and customer sophistication.

Attributes:

• Microsoft applications (Excel, Vision, Word, Publisher).
• Adaptability, building positive working relationships, coaching, continuous learning, contributing to team success, customer focus, innovation, planning & organizing
• Market trends.
• Understanding of mortgage regulations.
• Excellent communication and listening skills.
• Confidence and presentation skills.
• Understanding and interest in financial/banking products and markets.
• Ability to explain and handle complex information clearly and simply.
• Good sales and negotiation skills.
• Credit and analytics skills.
• Relationship management skills.

 Qualifications and Experience:

• Bachelor's degree in Business related studies.
• 4 years' experience in banking operations, out of which 3 should be in Relationship Management and/or portfolio management.

Experience: 4.0 Year(s)

Job closing date: 08-Nov-2021

Mode of  Application 

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