Key Responsibilities: Working with the Branch staff/RMs and Sales staff, identify mortgage opportunities in the respective areas, facilitating the sales teams to grow a healthy mortgage pipeline. Support the Branch staff and Sales teams to drive traction of the pre-approval mortgage pipeline to approval and issuance of offer letters for mortgage facilities. Ensure accuracy and completeness of new mortgage applications to ensure a good TAT and customer experience prior to loan approvals. Manage mortgage/project cases from start to finish, ensuring successful deal conversion and revenue momentum. Serve as the key contact/relationship person for the product with external stakeholders like developers, land sellers and internally with credit analysis and pre-mortgage approval facilitators. Delivering world class customer service practices and ensure adherence to I&M Bank Service standards. Provide ongoing product expertise and support to Relationship Managers and clients, maximizing opportunity identification and solutions. Monitor account activity, facility payments, and covenant compliance. Achieve operational rigor excellence in all aspects of procedures and processes undertaken to ensure satisfactory audit. Monitor portfolio health, including PAR and NPL ratios, and implement corrective measures. Conduct post-implementation reviews to identify process improvement opportunities. Ensure adherence to credit policy and risk management standards. Champion world-class customer service practices across all mortgage touchpoints. Partner with Relationship Managers and Branch teams to provide product expertise and support. Support continuous learning initiatives to enhance product knowledge across the organization. Skills, Competencies, Academic Qualifications & Work Experience: University degree in an analytical or business course e.g. Commerce, Actuarial Science, Economics, and Mathematics. A Masters’ degree and professional qualifications in relevant field will be an added advantage. At least Seven (7) years’ experience in a Banking Industry. Proven experience in real estate/project/construction financing with knowledge of mortgage financing products. Coachable professional with good “business sense” and an energetic / dynamic personality. Strong relationship, collaborative and stakeholder management skills; views team concept as critical to success. Good understanding of Banking Operations, credit policies and procedures.
