Head of Mortgage at I&M Bank

PURPOSE: 

The Job holder will be responsible for the following Key results and objectives

• As Product Owner for Mortgage, you will be expected to design, build, commercialize and continuously review Mortgage Proposition relevant to the market
• Manage mortgage/project cases from start to finish, ensuring successful deal conversion and revenue momentum.
• Develop and execute the Mortgage penetration strategy
• Creating effective partnerships with key players in the real estate sector to increase NTB business
• Manage mortgage pipeline to increase quality business through effective customer engagement.
• Responsible for implementing in liaison with relevant stake-holders market leading turnaround times from application to disbursement.
• Responsible for the P&L for the Mortgage Portfolio.
• Partner with the Marketing Team to ensure successful results in various marketing initiatives e.g. Mortgage Expos and Developer Partnerships
• Enhance the value chain by fostering relationships for a holistic customer experience.
• Conduct post-implementation reviews to identify process improvement opportunities.
• Delivering world class customer service practices and ensure adherence to I&M Bank Service standards.
• Provide ongoing product expertise and support to Relationship Managers and clients, maximizing opportunity identification and solutions.
• Monitor account activity, facility payments, and covenant compliance.
• Achieve operational rigor excellence in all aspects of procedures and processes undertaken to ensure satisfactory audit.
• Ensure portfolio quality in line with the bank's credit policy and risk management policies.
• Ensure compliance with operations risk & rigour requirements e.g. Health & Safety standards and security of premises.
• Build, Support and Motivate a high performing relationship management team committed to achieving consistently high levels of performance.
• Providing regular review of individual and team performance against agreed objectives.

Skills, Competencies & Experience

• University degree in an analytical or business course e.g. Commerce, Actuarial Science, Economics, and Mathematics.
• A Masters degree and professional qualifications in relevant field will be an added advantage. 
• At least Ten 10 years’ experience in a Banking Industry.
• Proven experience in real estate/project/construction financing.
• Knowledge of mortgage financing products and services.
• Coachable professional with good “business sense” and an energetic / dynamic personality.
• Strong relationship management and team building skills; views team concept as critical to success
• Very Strong Leadership skills 
• Good understanding of Banking Operations and credit policies  
• Business and Financial acumen 
• Strong collaborative and stakeholder management skills