Personal Banker Mortgage

RHB Banking Group; Penang; On-site; MYR 36,000 - 60,000; Full time

Job summary

A leading banking group is seeking a dynamic Sales Executive focused on mortgage loans. This role involves achieving sales targets, managing customer relationships, and ensuring compliance with regulations. Ideal candidates will have a relevant degree and proven sales experience, thriving in a fast-paced environment while delivering exceptional service.

Qualifications

• Minimum 1 year of experience in sales, preferably in banking or financial services sector.
• Proven ability to achieve sales targets.
• Good knowledge of mortgage products and services.

Responsibilities

• Achieve personal sales targets for new mortgage loans.
• Conduct needs-based selling and assist customers with mortgage applications.
• Ensure compliance with internal policies and regulations.

Skills

Interpersonal skills

Communication skills

Sales and negotiation

Customer-driven

Resourceful

Analytical skills

Education

Diploma or Bachelor's Degree in Business/Accounting/Banking/Finance/Economics

Job description

Responsible for driving the acquisition of new mortgage loans and achieving assigned sales targets. This role is highly sales-focused and involves direct interaction with customers and other stakeholders in the property ecosystem.

Job Description & Responsibilities

Here's a breakdown of typical responsibilities, skills, and qualifications:

• Sales Target Achievement:
• Principally responsible for achieving personal sales targets for new mortgage loans.
• Achieve a minimum penetration rate for Mortgage Reducing Term Assurance (MRTA).
• Deliver minimum sales productivity (e.g., 2.5 million per month, though specific figures can vary).
• Customer Relationship Management:
• Promote, introduce, and market various mortgage products and services offered by RHB Bank.
• Conduct needs-based selling by understanding customers' financial goals and needs related to property financing.
• Brief customers on mortgage plan features, charges, and provide clear explanations of product disclosures.
• Assist customers with mortgage applications, handling premium payments, policy inquiries, servicing, and claims-related matters.
• Maintain regular contact with existing customers to foster closer relationships and generate referrals.
• Business Development:
• Proactively execute sales plans, cross-selling, up-selling, and engaging with customers for retention and referrals.
• Actively participate and collaborate with other sales personnel at the branch/region on sales activities and campaigns for customer acquisition and retention.
• Plan and identify cross-selling/up-selling opportunities to increase customers' share of wallet and revenue.
• Set appointments, conduct sales visitations, prospecting, and engaging with customers from bank-generated leads (LMS) and self-generated leads.
• Service and strengthen business relationships with developers, lawyers, valuers, and real estate agents.
• Compliance and Risk Management:
• Ensure compliance with internal bank policies, external authorities, regulators, legal requirements, Anti-Money Laundering (AML) / Know Your Customer (KYC) guidelines, credit policies, and service standards.
• Exercise due care and diligence on matters related to Money Laundering and KYC in day-to-day operations, including account opening and reporting suspicious activities.
• Ensure data integrity and verify that all customer income documents are originally sighted.
• Conduct face-to-face interviews with customers as required.
  

Key Skills And Qualifications

• Education:
• Diploma or Bachelor's Degree in any related studies (e.g., Business, Accounting, Banking, Finance, Economics).
• Experience:
• Minimum 1 year of experience in sales, preferably within the banking or financial services sector, specifically with mortgage products.
• Proven ability to achieve sales targets.
• Technical Skills:
• Good knowledge of mortgage products and services.
• Understanding of financial planning and defining customer needs.
• Ability to analyze financial priorities.
• Soft Skills:
• Excellent interpersonal and communication skills (verbal and written).
• Strong sales and negotiation skills.
• Customer-driven with a strong focus on quality of service.
• Resourceful and able to work with minimal supervision.
• Ability to thrive in a fast-paced environment.
• High level of integrity and professionalism.