Mortgage Consultant

STAR CAREER CONSULTING PTE. LTD.; Singapore; On-site; SGD 39,060 - 55,800; Full time

Benefits offered by this job

No cold calling

Hybrid work arrangement

Performance bonuses

Professional training on fintech tools

Job summary

STAR CAREER CONSULTING PTE. LTD. is seeking a Mortgage Consultant in Singapore to focus on client advisory rather than cold calling. The role offers a steady stream of qualified leads from internal channels and property partners.

You will assess financial profiles, manage loan applications, and maintain relationships with financial institutions. A competitive salary ranging from $3,500 to $5,000 monthly along with uncapped commissions and performance bonuses awaits the right candidate.

Enjoy a hybrid work arrangement, allowing flexibility while contributing to client success!

Qualifications

• Minimum 1–2 years of experience in mortgage sales, consumer banking, or real estate finance in Singapore.
• Familiarity with MAS regulations is essential.
• Experience with CMFAS modules like M5, M9, or HI is a significant advantage.

Responsibilities

• Assess clients’ financial profiles to provide tailored mortgage solutions.
• Compare and recommend loan packages from various financial institutions.
• Manage the entire loan application lifecycle.
• Maintain strong relationships with bank underwriters and property agents.
• Stay updated on the latest MAS regulations.

Skills

Strong numerical proficiency

Ability to explain complex financial terms

Proactive, ethical, and client-centric mindset

Job description

Job Title: Mortgage Consultant / Mortgage Broker

Location: Singapore (Central / Hybrid)

Employment Type: Full-Time

Role Overview

Are you a driven mortgage professional looking for a role where you can focus on closing rather than cold-calling? We are looking for an experienced Mortgage Broker to join our team.

Unlike traditional brokerage roles, we provide a steady stream of qualified leads from our internal channels and property partners. You will act as the trusted bridge between homebuyers/investors and over 15 major banks in Singapore, ensuring our clients secure the most competitive rates and optimal loan structures.

Key Responsibilities

• Advisory & Analysis: Assess clients’ financial profiles, including TDSR (Total Debt Servicing Ratio) and MSR (Mortgage Servicing Ratio), to provide tailored mortgage solutions.
• Loan Structuring: Compare and recommend loan packages (Fixed vs. Floating, SORA-pegged) from various financial institutions.
• End-to-End Management: Manage the entire loan application lifecycle—from initial consultation and document collection to bank submission and final valuation/legal coordination.
• Relationship Management: Maintain strong relationships with bank underwriters, property agents, and lawyers to ensure a seamless “one-stop” experience for clients.
• Compliance: Stay updated on the latest MAS (Monetary Authority of Singapore) regulations, cooling measures, and LTV (Loan-to-Value) limits.

Requirements

• Experience: Minimum 1–2 years of experience in mortgage sales, consumer banking, or real estate finance in Singapore.
• Credentials: Familiarity with MAS regulations is essential. (Experience with CMFAS modules like M5, M9, or HI is a significant advantage).
• Skills: Strong numerical proficiency and the ability to explain complex financial terms in simple, layman language.
• Mindset: Proactive, ethical, and client‑centric. You are a problem‑solver who can navigate complex profiles.

What We Offer

• Leads Provided: No cold calling. Access high-quality, pre‑qualified leads from our digital platforms and real‑estate network.
• Hybrid Work Arrangement: Enjoy the flexibility of working from home 3 days a week, with office presence for team strategy and client meetings.
• Competitive Compensation:
  • Base Salary: Market‑competitive monthly allowance ($3,500 – $5,000 depending on experience).
  • Commission: Uncapped, high‑tier commission structure on successful disbursements.
  • Performance Bonuses: Quarterly and annual bonuses based on volume and client satisfaction scores.
• Professional Growth: Full training on the latest fintech tools for mortgage comparison and CRM management.