Senior Mortgage BDE

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Senior Mortgage BDE

senior · Sales & Business Development

Key Responsibilities

Strategy

Stick to the updated Mortgage strategy to acquire biz with high productivity and mobility & Pivot to Affluent.  

Business

Pro-actively promote designated Retail Clients products and services and acquire new customers. Ensure to achieve specific sales targets and service standards:

•  Participate in sales promotions and activities to achieve/exceed defined sales targets.
•  Engage NTB Affluent clients via leads sourced from varies channels.
•  Follow well thought-through, creative approach to satisfy customers, improve competitive advantage and improve performance.
•  Actively cross-sell other products / services of the Bank and ensure annual financial budget is met.
•  To provide qualified and efficient before-and-after sales services.
•  To prepare and consolidate accurate reports on sales activities.
•  Based on a “shared sense” of purpose and approach within WRB;
•  Based on a clear division of roles (and no duplication of effort) within Mortgage & WRB;
•  Accountable for implementing and complying with AML requirements when performing duties  

Processes

Comply with all internal and external processes, standards and policies.

Acknowledge, follow and able to work mobile in Pan China to support Sales team where having resource pressure and working location will be subject to detail arrangement on due with no objection and performing corresponding duties.

知晓并服从银行做出的人员调动通知和安排，在销售团队需要人员支援时，可以在全国范围内任一分支行长期出差，做到在不同的支援岗位履行相应的岗位职责要求。

People & Talent

Train and develop self in an on-going basis. 

Risk Management

Timely identify risks in Mortgage acquisition and find solutions to mitigate, including but not limited to credit risk, fraud risk, operational risk, reputation risk etc.

Governance

Ensure to meet the internal control, compliance and audit standards

Key Responsibilities

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.

Key stakeholders

Mortgage Product, Credit Policy, CI, MO, Ops, Legal, Compliance, BRM, OR, Finance, Branch etc.

Other Responsibilities

• Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies.

理解、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求；

• Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities.

跟上本地问责法律法规的发展，以有效地确保并强化内控；

• Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank.

审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力；

• Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections.

对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任；

• Cooperate with any investigations or reviews on regulatory failure such as accountability review.

配合任何关于违反监管规定的调查或审查，例如，问责审查。

• Properly perform the duties on management and ensure the effectiveness of internal control.

正确履行管理职责，并确保内控的效率；

• Be responsible for regulatory failure or risks arising from or in connection of the event over which the employee has the duties of management and/or leadership.

对负有管理和/或领导责任的事项引起或相关的违反监管规定事件或风险，承担相应责任。

• Be responsible for significant losses due to failure of effectiveness of internal control.

为内控失效造成的重大损失负责。

Skills and Experience

• Motivated and drove by number, strong interpersonal skills and demonstrate leadership and attributes
• Good command of both spoken and written English / Mandarin
• Microsoft Office
• Sales Systems

Qualifications

• College/diploma degree or above
• 5 year working experience or above in financial or mortgage / real estate Industry is preferred
• Relevant experience in banking experience is preferred
• Good knowledge of bank products, policies, and business strategy
• Good credit appraisal and marketing skills with the ability to interpret financial information
• Strong personal integrity with zero disciplinary record in any previous job  
• Good communication and presentation skills
• Presentable, good personality with good business etiquette

Competencies

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers

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