Mortgage Specialist

Citigroup Inc.; Singapore; On-site; SGD 20,000 - 60,000; Full time

Job summary

A leading global financial institution in Singapore seeks a Senior Wealth Mortgage Specialist to provide tailored mortgage solutions to affluent clients. The role emphasizes collaboration with Client Advisors and requires strong knowledge of the Singapore property market. The ideal candidate will have 3-5 years of mortgage sales experience and exceptional interpersonal skills. Join us to enhance client satisfaction and deepen banking relationships.

Qualifications

• Minimum 3-5 years of success in mortgage sales or property financing.
• Strong interpersonal skills to engage affluent clients.
• In-depth knowledge of financing structures and regulations in Singapore.

Responsibilities

• Engage with high-net-worth clients to understand property financing needs.
• Collaborate with Client Advisors to integrate mortgage solutions.
• Manage relationships with new and existing affluent clients.

Skills

Mortgage sales expertise

Knowledge of Singapore property market

Interpersonal skills

Analytical abilities

Education

Bachelor's degree in Finance, Business Administration, or Economics

Job description

Role Overview:

The Senior Wealth Mortgage Specialist will be responsible for originating and structuring mortgage solutions and delivering expert property financing advice to high-net-worth and affluent clients in Singapore. As a trusted authority in mortgages, you will guide clients through complex property financing decisions, always viewing these through the lens of their broader financial aspirations and how mortgage engagement can enhance their overall banking footprint with Citi. A defining aspect of this senior role is the close collaboration with our Client Advisors. You will work hand-in-hand with them to ensure that mortgage solutions are seamlessly integrated into the client's broader financial strategy, contributing your specialized knowledge to their overall wealth conversations without engaging in non-mortgage financial advisory. This role is instrumental in deepening the overall client banking relationship with Citi through expert mortgage solutions, acting as an indispensable partner in a client's holistic financial journey. This is a senior-level position requiring a seasoned professional capable of originating, structuring, and closing complex mortgage transactions.

Key Responsibilities:

• Mortgage Origination:
  • Proactively engage with Citi's wealth clients and high-potential prospects to understand their intricate property financing needs, including residential purchases, investment properties, and refinancing solutions within the Singapore market.
  • Provide expert, in-depth advice on a comprehensive suite of mortgage products, financing structures, interest rate strategies, and the regulatory environment of Singapore's property market.
  • Structure and present tailored mortgage solutions that align precisely with clients' financial objectives and property investment strategies.
  • Drive the end-to-end mortgage sales process, from initial consultation and application to approval and closing, ensuring an exceptional client experience.
  • Stay at the forefront of market trends, property valuations, and competitive offerings within Singapore's mortgage industry.
• Collaborative Wealth Integration & Relationship Deepening:
  • Work closely and collaboratively with Client Advisors to contribute mortgage expertise to the "total wealth conversation" for affluent clients.
  • Provide Client Advisors with expert insights on how property financing decisions impact, and are impacted by, a client's broader wealth portfolio, thereby facilitating a more integrated and strategic approach to client financial management.
  • Support Client Advisors in positioning mortgage solutions as an integral component of a client's comprehensive financial planning, leveraging your specialized mortgage knowledge to reinforce Citi's value proposition as a holistic financial partner and deepen the client's overall banking relationship with Citi. Your contribution to the wealth conversation is strictly through your mortgage specialization, empowering Client Advisors to deliver holistic advice and foster deeper client loyalty and engagement across Citi's offerings.
  • Participate in joint client meetings with Client Advisors as the dedicated mortgage expert, providing focused guidance within your domain and showcasing Citi's integrated capabilities.
• Relationship Management:Cultivate and maintain strong, enduring relationships with new and existing affluent clients and internal Client Advisors, positioning yourself as the go-to expert for property financing within a holistic wealth management context and a key contributor to enduring client relationships.
• Performance Contribution:
  • Play a pivotal role in driving successful outcomes for mortgage product acquisition and portfolio growth.
  • Contribute significantly to the expansion and enrichment of overall client banking relationships through strategic mortgage engagement, aligning with the team's and Citi's broader financial objectives and client portfolio development.
• Compliance & Risk Management:Appropriately assess and mitigate risk in all business decisions, safeguarding Citigroup's reputation and assets. Ensure strict adherence to applicable laws, rules, and regulations, internal policies, and sound ethical judgment, escalating control issues with transparency.

Qualifications:

• Bachelor's degree in Finance, Business Administration, Economics, or a related field.
• Minimum of 3-5 years of demonstrated success in mortgage sales, property financing, or a related client-facing role within the financial services industry in Singapore, with a strong emphasis on affluent or high-net-worth clients.
• In-depth knowledge of the Singapore property market, including financing structures, regulatory landscape, and current market conditions.
• A strong conceptual understanding of wealth management principles and financial planning concepts to facilitate effective collaboration with Client Advisors and comprehend the broader financial context of client's property assets, without providing direct financial advice on non-mortgage products.
• Exceptional interpersonal and communication skills, capable of building rapport with clients and internal partners, and effectively conveying complex mortgage information to sophisticated clientele.
• Strong analytical abilities, with a capacity for structuring bespoke financial solutions.
• Proven ability to drive successful outcomes in a competitive environment.
• High level of integrity, professionalism, and unwavering commitment to ethical conduct and compliance.

Join Citibank Singapore as a Senior Wealth Mortgage Specialist and leverage your dedicated mortgage expertise to enhance client satisfaction and contribute significantly to deepening our clients' overall banking relationship with Citi within a leading global financial institution.

Accessibility at Citi. EEO Policy Statement and Know Your Rights (text only).

Time Type: Full time

Most Relevant Skills: See requirements above.

Other Relevant Skills: For complementary skills, see above and/or contact the recruiter.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.