Mortgage Fulfilment Officer at HF Group

Overall Job Purpose

• Responsible for managing and fulfilling conditions with the mortgage loan customers and loan officers for loans within the mortgage business loan pipeline.
• The Mortgage Fulfilment Specialist will be responsible for understanding and accelerating the processing of loans while achieving the goals set forth in HFC mortgage product guidelines and processes.
• The Mortgage Fulfilment Specialist is also responsible for validating and verifying application data including, but not limited to property and clients’ income.

Principle Accountabilities

• Collaborate with Retail sales teams and support units to seek sales growth and business improvement opportunities.
• Assist in mortgage loan pipeline management, including, but not limited to, tracking closing dates and having regular pipeline review meetings with originators
• Assist in overseeing multiple loan files within the closing pipeline
• Support the Mortgage Lending Team
• Collaborate with Lawyers and Valuers to seek the highest levels of standards and quickest TAT on their services
• Overall management of the Mortgage Business products to ensure superior service offering to all customers, reduction of fraud and losses
• Provide analytical support to Mortgage Businesses with Market Intelligence reports on various aspects of mortgage performance.
• Any other relevant analytical tasks assigned by the Head of Mortgage Business
• Establish and maintain a strong customer-focus approach both with internal and external customers.
• Keep the Relationship team constantly informed on the progress of their applications
• Identify and address any fraud-related activities and ensure risk exposure is minimized.
• Follow up on transactions with Advocates and valuers to ensure they are within the agreed TAT
• Cross-sell Property Financing products whenever an opportunity arises.
• Assist in conducting customer retention activities as per the retention program
• Facilitate and develop sound relationships with internal channels such as Branch Networks, and Product department unit.

Minimum Qualifications, Knowledge and Experience

Education:

• Bachelor’s degree in Finance, Economics, Business administration, Accounting or related field of study
• Professional qualifications in a relevant discipline.

Experience:

• Minimum 3 years’ experience in mortgage loan processing or fulfilment experience
• A minimum of 5 years working experience in a financial institution preferably a bank

Technical and General Competencies:

• Excellent interpersonal skills, presentation and communication skills
• Proficient in mortgage lending compliance and regulatory requirements, and a solid understanding of mortgage lending criteria
• Ability to thrive in a high-volume, fast-paced environment
• Self-motivated and self-sufficient in approach to work
• Strong organizational and time management skills; close attention to detail
• Ability to build and maintain positive and effective relationships with others
• Strong oral and written communication skills, a good listener, articulate, ability to effectively present information and respond to inquiries
• Strong work ethic; ability to work to achieve desired production results
• A good working knowledge of MS Office packages.
• Strong organizational and time management skills; close attention to detail
• Knowledge of Banking and Business Operations: Well-rounded knowledge of all the Banks’ products, operations, and processes and excellent knowledge of bank policies and procedures to consistently achieve the required compliance standard.