Assistant Mortgage, Product Manager

Skills, Competencies, Academic Qualifications & Work 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 Seven (7) years’ experience in a Banking Industry.
  
• Proven experience in real estate/project/construction financing with knowledge of mortgage financing products.
  
• Coachable professional with good “business sense” and an energetic / dynamic personality.
  
• Strong relationship, collaborative and stakeholder management skills; views team concept as critical to success.
  
• Good understanding of Banking Operations, credit policies and procedures.
  

• Working with the Branch staff/RMs and Sales staff, identify mortgage opportunities in the respective areas, facilitating the sales teams to grow a healthy mortgage pipeline.
  
• Support the Branch staff and Sales teams to drive traction of the pre-approval mortgage pipeline to approval and issuance of offer letters for mortgage facilities.
  
• Ensure accuracy and completeness of new mortgage applications to ensure a good TAT and customer experience prior to loan approvals.
  
• Manage mortgage/project cases from start to finish, ensuring successful deal conversion and revenue momentum.
  
• Serve as the key contact/relationship person for the product with external stakeholders like developers, land sellers and internally with credit analysis and pre-mortgage approval facilitators.
  
• 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.
  
• Monitor portfolio health, including PAR and NPL ratios, and implement corrective measures.
  
• Conduct post-implementation reviews to identify process improvement opportunities.
  
• Ensure adherence to credit policy and risk management standards.
  
• Champion world-class customer service practices across all mortgage touchpoints.
  
• Partner with Relationship Managers and Branch teams to provide product expertise and support.
  
• Support continuous learning initiatives to enhance product knowledge across the organization.