Home Loans Consultant at Stanbic Bank

Job Purpose

• Establish , maintain and leverage estate agent and developers for end user finance
• Ensure acquisition of new home loan customers.
• Provide primary point of contact to customers by identifying their finance needs and fulfilling on them.

Key Responsibilities/Accountabilities

• Develop business opportunities by following up/pursuing leads.
• Conduct daily / weekly / monthly calling programs within the estate agent and developer arenas and focusing on high potential value prospects.
• Identify and follow up on new customers to increase mortgage market share.
• Market and provide information on the full range of Affinity market/upper salaried products to customers to optimize cross-sell.
• Follow up on sales to ensure that customer requirements have been met.
• Clearly understand sales targets set for self and unit.
• Pro-actively work with all bank departments to drive mortgage sales
• Actively participate in all group scheme bank days to acquire business.
• Pro-active involvement in sales activations, open days and expo’s.
• Ensure Zero rework’s on all home loan applications in order to improve on TAT
• Leverage on Mortgage customers in order to cross sell other bank products.
  
  
• Sales, cross-selling and targets met.
• Risk control, compliance, safe custody and physical security procedures in place and adhered to with regard to all Customer documents & Instruments
• Applications sent to Credit meet all the requirements and are sufficiently followed up to reduce TAT for the customer.
• Customer query/complaint trends identified and root causes resolved at source.
• Satisfied and well-informed customers as measured by Customer Satisfaction Survey ratings.

Preferred Qualification and Experience

• Degree from recognised University.
  
  
• Previous experience in sales and marketing especially mortgages and or property sales

Knowledge/Technical Skills/Expertise

• Computer literacy and knowledge of personal computers and software packages such as MS Word, MS Excel, MS PowerPoint, MS Access. Working knowledge of SAP, Model Bank /T-24.
• Knowledge of and exposure to Personal and Business Banking network.
• Knowledge and exposure of the Kenyan property market and relevant laws
• Knowledge and exposure of Mortgage lending process
• Basic understanding of banking financials
• Sales and marketing experience in mortgages or property sales is a bonus
• Thorough knowledge and understanding of local target market profiles.
• Thorough knowledge of the retail products and services
• Knowledge of risk management and credit principles, including an understanding of the terms and conditions of sanction.
• Comprehensive knowledge of bank's laid-down policies and procedures relating to all areas under control.
• General knowledge and understanding of financial statements, including application of policies and principles for evaluation and management of the risk associated with lending