Job details
Job Summary
- Promote & sustain the image of SCB as the driving premium provider of Mortgage Finance Services.
- Provide services to existing mortgage clients for their post disbursement services.
- Ensure and maintain efficient & effective service standards for customers.
- Work closely with mortgage sales team and relevant internal and external stakeholders.
- Achieve the agreed service quality standards for Mortgage Loans by servicing the post-disbursement issues for existing customers.
- Actively focus on retention of mortgage clients and reprice clients in negative margins.
- Develop and maintain relationships with customers (both internal and external) for business generating opportunities.
- Be updated and able to provide key market information on processes and policies.
- Assist in the implementation of sales and marketing strategies.
- Assist in resolving specific default transactions upon request.
- Handle post disbursement service issues.
- Ensure total compliance with the laid down norms in terms of compliance, risk, credit policy, documentation, operational risk and Group or Regulatory control standards.
- Department/Functional Heads, Managers, Support staff, cross-functional and network Managers, Country Money Laundering Officer to ensure business development and achieve business goals; Guidance and support in product/business partnerships; Risk and AML Management and ensuring service levels are met.
- Customers, Bank PROs, Professional advisors (lawyers, accountants, etc.)
- Meet the business objectives of country CPBB.
- Collaboration with key stakeholders to explore market opportunities.
- High level of critical thinking in cross-functional process assessment and problem solving.
- Contribute to Portfolio retention and growth, Portfolio health and service quality.
- Ensure Bank’s ability to meet legal and regulatory obligations.
- Diligently ensure quality in service delivery, contribute to Operational health and Organizational health.
- Attend and manage daily mortgage sales meeting and monthly pipeline.
- Be contact point for any issues related to mortgage broker empanelment/visits and commission payouts.
- Work closely with ML team and relevant stakeholders to solve any pending cases on system.
- Monitor daily SCBLR/SCBMR EIBOR rates report.
- Assign mortgage prospects to frontline Mortgage Specialists.
- Ensure adherence to all internal and external regulations.
- Embed Operational Risk monitoring as an integral part of the business process.
- Conduct CDD, MLP & TCF diligently.
- Zero tolerance on fraud and mis-selling.
- Provide assistance during reviews, e.g. Group Internal Audit, Shariah Reviews, Regulatory reviews, etc.
- Attend assigned training programs to acquire knowledge and apply it to the job function accordingly.
- Adhere to all relevant policies, guidelines and procedures. Comply with local regulatory requirements.
- Comply with all applicable money laundering prevention procedures and, in particular, report any suspicious activity to the Unit Money Laundering Prevention Officer and line manager.
- Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business.
- 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.
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
- Good knowledge groups policies, standards, local regulations and legislations of the prevention of money laundering and adherence to group code of conduct.
- Mortgage Advisors and Specialists - Product Manager – Priority Banking
- Treasury - Wealth Management
- Unit Heads – Treasury
- Customer Service Manager - Branch Managers
- Country Money Laundering Prevention Officer.
- Legal - Compliance
- Client Experience
- Marketing
- Credit – Operations – Risk
- PDU
- PBU
- Clients
- Bank PROs
- Manage Conduct
- Manage Risk
- Manage People
- Spot Opportunities
- Solve Problems
- Guide
- Build Resilience
- University Graduate with a Bachelor’s degree.
- Minimum 5 years’ relevant experience in Banking and products.
- Strong communication.
- Networking ability to manage interdepartmental deliverables.
- Strong inter-personal skills and management ability, which encourages and promotes enthusiasm and team spirit.
- Computer literacy at the user level.
- Adapting to multi-cultural environment.
- 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.
- 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-driving 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.
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