Mortgage Officer

Responsibilities:

• Take ownership of VAF & Mortgage applications end to end from receipt to disbursement.
• Ensure detailed understanding of all application processing processes.
• Ensure queries from customers are handled and treated as priority and resolved within turnaround times.
• Ensure compliance to all procedures, processes and legislative compliance in order to minimise losses.
• Detect problems falling outside parameters of laid down routine.
• Follow up on outstanding matters.
• Advise internal & external customers of progress on applications throughout the process.
• Apply high service standards in order to ensure effective customer service is provided.
• Engage with customers, internal and external in order to effectively process applications.
• Maintain confidentiality and integrity of customer.
• Manage the Work In Progress – by proactively dealing with and escalating where needed.
• Vet and identify discrepancies on the application documents as well as the supporting documents e.g. but not limited to pay slips, ID.
• Perform credit and fraud checks accurately, in order to limit the risk of fraudulent or inaccurate application processing.
• Ensure all application data is accurately verified in terms of laid down procedures and a full audit of the applications is completed to ensure internal fraud is prohibited.
• Ensure that all calls are conducted in a manner which promotes the customer experience promoted by SBG.
• Understand when to refer to credit and ensure timeous referral to Credit if credit criteria are not met on an application.
• Identify trends proactively, that may affect the quality of data and ensure corrective action and escalation to manager.
• Ensure proactive feedback to the customer on the status of their application.
• Comply with the post grant contact strategy and retention plan, by ensuring that customers and attorneys are contacted accordingly.

Special and Other Duties:

• Perform other duties as assigned by the Supervisor
• Perform other duties as assigned by the ED, Retail & Digital Banking

Requirements:

• First degree in any Business-related discipline.
• Formal Training : Basic Accounting
• Banking Operations
• Banking Law/Regulations
• Minimum Experience of 8 years’.

Required Knowledge, Skills & Abilities:

• Excellent customer relationship
• Good negotiation, problem-solving and conflict resolution
• Knowledge and understanding of related financial products
• Creative thinking and innovative
• Analytical skills
• Financial skills
• Interpersonal skills
• Negotiation and selling skills
• Good understanding of dealing and forex market
• Negotiation skills
• Creativity and innovative
• Financial analysis capabilities
• Communication skills
• Forex /Money Market simulation

Supervisory Skills:

• Administration
• Team building / conflict management
• Leadership / Influencing
• Organization and coordination skills
• Initiative
• Entrepreneurship/ taking ownership
• Interpersonal Skills (oral & written)
• Adequate knowledge of information and knowledge management
• Negotiation
• Conceptual
• Self-Management
• Communication (oral & written)
• Interpersonal Skills
• Processing/spreadsheet/graphics
• Interpersonal Skills (oral & written)
• Adequate knowledge of information and knowledge management
• Possess analytical and problem solving skills
• Ability to communicate effectively
• Team building / conflict management

Location: Accra

Employment Type: Full Time