Mortgage Specialist

Bank of China; Kuala Lumpur; On-site; MYR 40,000 - 70,000; Full time

Job summary

Bank of China in Kuala Lumpur is seeking a proactive Sales & Marketing professional to drive personal financing and wealth management initiatives. The role focuses on mortgage and OD financing and cross-selling related products such as MRTA, account opening, and wealth products.

You will build the personal banking business by acquisition and delivering high-quality service, maintaining compliance with Bank Negara Malaysia guidelines, and achieving annual sales targets.

Qualifications

• 2 years mortgage products / sales experience.
• Fresh graduates are welcome to apply.

Responsibilities

• Keep abreast of statutory requirements, head office policies and BNM guidelines to ensure compliance.
• Adhere to AML/CTF and regulatory rules in all operations.
• Perform other functions as assigned by management.
• Participate in Personal Banking Business Development and growth initiatives.
• Assist in achieving business targets; solicit referrals from lawyers, estate professionals and developers.
• Provide customer services and supervise staff to deliver courteous, prompt service.
• Maintain strong customer relationships to support marketing efforts.

Skills

Sales & marketing

Customer service

Risk management

Tools

Microsoft Office

Job description

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Bank of China – Kuala Lumpur, Kuala Lumpur

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

Job Purpose

• 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.

6. Risk Management

• 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

• Ensure cost effective risk management for Personal Banking Operation
• 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

Work experience:

• 2 years mortgage products / sales experience
• Fresh graduates are welcome to apply

Knowledge/Tools/Skills

• Microsoft office