Personal Banker Mortgage

RHB Group; Sarawak; On-site; MYR 60,000 - 120,000; Full time

Job summary

RHB Group is recruiting for a Mortgage Sales Specialist to deliver comprehensive banking services with a focus on mortgage products. You will build strong client relationships, identify financial needs, and provide tailored home loan solutions throughout the application process.

You will guide clients from inquiry to disbursement, assess income and creditworthiness, and stay informed on market trends and regulatory changes to ensure compliant, high-quality service.

Qualifications

• Bachelor's degree in Banking, Finance, Business Administration, or related field.
• Experience in sales or customer service within financial services, preferably mortgage-related.
• Strong knowledge of mortgage lending principles and regulatory frameworks.
• Excellent communication and negotiation skills; ability to build client trust.

Responsibilities

• Proactively engage with prospective and existing clients to understand their mortgage needs and financial objectives.
• Advise clients on suitable mortgage products, including home loans, refinancing options, and related financial services offered by RHB Bank.
• Guide clients through the entire mortgage application process, from initial inquiry to disbursement, ensuring a smooth and efficient experience.
• Prepare and process mortgage applications accurately and efficiently, adhering to all bank policies, procedures, and regulatory requirements.
• Conduct thorough financial assessments of clients, including income verification, creditworthiness checks, and property valuation.
• Develop and maintain a strong pipeline of mortgage leads through networking, referrals, and participation in bank-initiated campaigns.
• Cross-sell other RHB Bank products and services where appropriate, such as insurance, deposits, and wealth management solutions.
• Address customer inquiries, resolve issues, and provide ongoing support related to their mortgage accounts.
• Stay updated on market trends, competitor offerings, and regulatory changes within the mortgage industry.
• Achieve individual sales targets and contribute to the overall branch/team objectives.
• Ensure compliance with all internal and external policies, regulations, and ethical standards.

Skills

Mortgage product knowledge

Sales experience

Customer service

Communication skills

Negotiation

Relationship building

Target-driven

MS Office

Education

Bachelor's degree in Banking/Finance/Business Administration

Tools

Banking software

Job description

Job Summary

Responsible for providing comprehensive banking services, with a specialized focus on mortgage products, to individual clients. This role involves building and maintaining strong customer relationships, identifying financial needs, and offering tailored solutions to help clients achieve their homeownership goals.

Job Responsibilities

• Proactively engage with prospective and existing clients to understand their mortgage needs and financial objectives.
• Advise clients on suitable mortgage products, including home loans, refinancing options, and related financial services offered by RHB Bank.
• Guide clients through the entire mortgage application process, from initial inquiry to disbursement, ensuring a smooth and efficient experience.
• Prepare and process mortgage applications accurately and efficiently, adhering to all bank policies, procedures, and regulatory requirements.
• Conduct thorough financial assessments of clients, including income verification, creditworthiness checks, and property valuation.
• Develop and maintain a strong pipeline of mortgage leads through networking, referrals, and participation in bank-initiated campaigns.
• Cross-sell other RHB Bank products and services where appropriate, such as insurance, deposits, and wealth management solutions.
• Address customer inquiries, resolve issues, and provide ongoing support related to their mortgage accounts.
• Stay updated on market trends, competitor offerings, and regulatory changes within the mortgage industry.
• Achieve individual sales targets and contribute to the overall branch/team objectives.
• Ensure compliance with all internal and external policies, regulations, and ethical standards.

Job Qualifications

• Bachelor's degree in Banking, Finance, Business Administration, or a related field.
• Proven experience in sales or customer service within the financial services industry, preferably with exposure to mortgage products.
• Strong understanding of mortgage products, lending principles, and relevant regulatory frameworks.
• Excellent communication, interpersonal, and negotiation skills.
• Ability to build rapport and establish trust with clients.
• Results-oriented with a strong drive to meet and exceed sales targets.
• Proficiency in using banking software and Microsoft Office Suite.
• Ability to work independently and as part of a team in a fast-paced environment.
• High level of integrity and professionalism.
• Fluency in English and Bahasa Malaysia is essential. Proficiency in other local languages would be an added advantage.