Role Responsibilities Business Source for prospective clients (Personal, Priority and Business Banking) for mortgage loans through alliance tie-ups such as real estate agents, mortgage brokers, developers & lawyers.Understand client needs for mortgage financing, structure proposed solution and close the sale further to credit approval.Understand and uncover client's other financial needs and refer relevant retail and wealth productsWorking alongside EB and segment team to include Mortgage offers as part of corporates offers as part of cross-sales activities Processes Ensure adherence to concerned policies including on call reports, appointments with customers and pipeline management to ensure timely completion of end to end mortgage process.Conduct regular scheduled visits and develop constant engagement with all dealers, developers and mortgage brokers aligned to country engagement model and strategy. Risk Management Ensure a full understanding of the risk and control environment in area of responsibility Regulatory & Business Conduct Display exemplary conduct and live by the Group's Values and Code of Conduct. Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.Lead to achieve the outcomes set out in the Bank's Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.] * Key stakeholders Country Client Acquisition, Country Relationship Business Banking and Employee Banking teams Other Responsibilities Ensure that prospects and existing customers are clearly communicated about the bank charges/terms and conditions.Ensure "Customer Due Diligence" requirements as prescribed by the bank are duly adhered to. All the legal and compliance guidelines provided by the bank are adhered to.Data confidentiality and secrecy norms of the bank are fully adhered to.Ensure that all applications (Account opening forms or loan application form) are being cross-checked prior to submission.Ensure that the sales process prescribed by the bank is fully adhered to.Ensure full awareness of all policies related to Mis-selling etc. & comply the same.Maintain complete and detailed knowledge of all the assigned products.Maintain accurate and up to date activity records. Our Ideal CandidateRole Specific Competencies Account ManagementEnd-to-End Lifecycle of Sales ProcessSales TechniquesFinancial Services Regulations, Policies and Agreements
