Mortgage Specialist

Bank of China (M) Berhad; Kuala Lumpur; On-site; MYR 60,000 - 90,000; Full time

Job summary

Bank of China (M) Berhad in Kuala Lumpur seeks a Mortgage Specialist to drive mortgage product sales, acquire new customers, and promote wealth management opportunities within personal banking. You will handle loan applications, account openings, and advisory services while maintaining strong customer relationships and compliance with Bank Negara Malaysia guidelines.

The role involves achieving sales targets, cross-selling MRTA and related products, and collaborating with lawyers and agents to

Qualifications

• 2 years mortgage products / sales experience.
• Fresh graduates are welcome to apply.
• Proficient in Microsoft Office and basic banking tools.

Responsibilities

• Perform sales and marketing tasks to achieve annual targets.
• Support Personal Banking Business Development and cross-sell related products.
• Ensure compliance with regulatory guidelines and internal policies.

Skills

Sales experience

Customer relationship management

Tools

Microsoft Office

Job description

Perform sales and marketing task to achieve the allocated annual sales target, risk optimisation & customer satisfaction.

To build the personal financing and wealth management business by way of acquisition and promoting mortgage and OD financing beside efficiency cross sales of related products such as MRTA, account opening and wealth products

Key Responsibilities

1.Keep abreast of the provision and changes in the Statutory requirements, Head Office Policies and Bank Negara Malaysia’s Guidelines to ensure due compliance in all aspect

2. Adheres and ensures that the policies, procedures and guidelines listed in the Anti-Money Laundering and Counter Financing of Terrorism Operations Manual is complied as well as all other operating policies/procedures and regulatory rules are complied at all times.

3. Perform any other functions as assigned by Management from time to time.

4. Participate in Personal Banking Business Development

Participate in achievement of business / financial targets set by Management.

Soliciting business referral and strategic business tie-up from/with lawyers, company secretary, valuers, property agents, property developers etc

Formulating marketing strategies and action plans in securing business and market shares.

5. Provide customer services and supervise staff to provide courteous, prompt and value added services

Providing a total solution & advice to personal customer on loan application and account opening requirements & compliance, inflow & outflow of funds, payment services, and other personal banking matters as well as BNM’s FEA matters.

Handling of customer queries and complaints.

Monitoring and ensure efficient and fast service at all times.

Maintaining cordial relationship with customer especially. Establish customer service level and ensure adherence to the standards.

Establish strong rapport with customers to enhance the overall marketing effort of the Bank.

Observing the existing risk management control measures and policies.

Ensuring manageable Non-Performing-Loan (NPL) and involving in collection and loan recovery process.

Attending the auditors from Bank Negara Malaysia, BOC Beijing Head Office, BOC Asia Pacific Regional Audit Center (Hong Kong), external auditors and the internal auditor.

7. Compliances

Supervise daily operations to ensure compliance with internal policies and Regulatory guidelines.

Keep abreast of the changes of the Acts, legal or statutory requirements, guidelines from ABM / BNM, rules and regulations, ethical standards, anti-money laundering act and etc and ensure compliance to the said provisions. Identify, design or modify procedures, systems to ensure effective and efficient compliance of the said provisions.

Report any suspicious transactions or customers to the AMLA compliance officer for further action. Be responsible for all the duties and responsibilities listed in the Bank’s Anti-Money Laundering Operations Manual.

Job Requirements

2 years mortgage products / sales experience

Fresh graduates are welcome to apply

Knowledge/Tools/Skills

Microsoft office

Established in 1912, Bank of China is the oldest bank in China. It has been ranked one of the world's top banks in terms of core capital by The Banker. Bank of China has been included in the Fortune Global 500 for 13 consecutive years. Bank of China is the first and the only Chinese bank that has presence in all major continents. At the present the bank offers financial services through its global network of over 560 overseas offices in 25 countries and regions. We are inviting qualified candidates to join us as:

Established in 1912, Bank of China is the oldest bank in China. It has been ranked one of the world's top banks in terms of core capital by The Banker. Bank of China has been included in the Fortune Global 500 for 13 consecutive years. Bank of China is the first and the only Chinese bank that has presence in all major continents. At the present the bank offers financial services through its global network of over 560 overseas offices in 25 countries and regions. We are inviting qualified candidates to join us as:

What can I earn as a Mortgage Specialist