Personal Banker Mortgage

Responsible for driving the acquisition of new mortgage loans and achieving assigned sales targets. This role is highly sales-focused and involves direct interaction with customers and other stakeholders in the property ecosystem.

Job Description & Responsibilities

Here's a breakdown of typical responsibilities, skills, and qualifications :

Sales Target Achievement : Principally responsible for achieving personal sales targets for new mortgage loans. Achieve a minimum penetration rate for Mortgage Reducing Term Assurance (MRTA). Deliver minimum sales productivity (e.g., 2.5 million per month, though specific figures can vary). Customer Relationship Management : Promote, introduce, and market various mortgage products and services offered by RHB Bank. Conduct needs-based selling by understanding customers' financial goals and needs related to property financing. Brief customers on mortgage plan features, charges, and provide clear explanations of product disclosures. Assist customers with mortgage applications, handling premium payments, policy inquiries, servicing, and claims-related matters. Maintain regular contact with existing customers to foster closer relationships and generate referrals. Business Development : Proactively execute sales plans, cross-selling, up-selling, and engaging with customers for retention and referrals. Actively participate and collaborate with other sales personnel at the branch / region on sales activities and campaigns for customer acquisition and retention. Plan and identify cross-selling / up-selling opportunities to increase customers' share of wallet and revenue. Set appointments, conduct sales visitations, prospecting, and engaging with customers from bank-generated leads (LMS) and self-generated leads. Service and strengthen business relationships with developers, lawyers, valuers, and real estate agents. Compliance and Risk Management : Ensure compliance with internal bank policies, external authorities, regulators, legal requirements, Anti-Money Laundering (AML) / Know Your Customer (KYC) guidelines, credit policies, and service standards. Exercise due care and diligence on matters related to Money Laundering and KYC in day-to-day operations, including account opening and reporting suspicious activities. Ensure data integrity and verify that all customer income documents are originally sighted. Conduct face-to-face interviews with customers as required.

Key Skills And Qualifications

Education : Diploma or Bachelor's Degree in any related studies (e.g., Business, Accounting, Banking, Finance, Economics). Experience : Minimum 1 year of experience in sales, preferably within the banking or financial services sector, specifically with mortgage products. Proven ability to achieve sales targets. Technical Skills : Good knowledge of mortgage products and services. Understanding of financial planning and defining customer needs. Ability to analyze financial priorities. Soft Skills : Excellent interpersonal and communication skills (verbal and written). Strong sales and negotiation skills. Customer-driven with a strong focus on quality of service. Resourceful and able to work with minimal supervision. Ability to thrive in a fast-paced environment. High level of integrity and professionalism.

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