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Hunt for new-to-bank (NTB) mortgage customers to consistently meet and exceed monthly loan sales and disbursement targets
Manage the end-to-end mortgage financing lifecycle: from initial financial consultation and loan package structuring to formal application submission, credit approval ing, and final loan disbursement
Conduct thorough financial analysis, including calculating Debt Service Ratios (DSR) and evaluating borrower risk parameters, to structure applications for optimal approval chances
Build, nurture, and maintain strong, proactive partnerships with external stakeholders, including real estate developers, property agencies, lawyers, and valuers, to secure a steady pipeline of referral business
Actively participate in property roadshows, property launches, and end-financing projects to capture market share
Capitalize on mortgage origination conversations to increase the bank’s product-holding per customer
Cross-sell complementary retail banking and wealth products, including Current and Savings Accounts (CASA), Fixed Deposits, Credit Cards, and Personal Loans
Ensure comprehensive client protection by actively cross-selling mortgage insurance products, such as Mortgage Reducing Term Assurance (MRTA) / Mortgage Reducing Term Takaful (MRTT)
Ensure absolute compliance with all banking regulations, statutory requirements, and internal standard operating procedures (SOPs)
Strictly adhere to Credit Policy guidelines, Know Your Customer (KYC) protocols, and Anti-Money Laundering/Counter-Terrorism Financing (AML/CTF) regulations
Package high-quality, accurate loan documentation to optimize credit underwriting turn-around times and minimize processing rejections
Deliver top-tier customer service throughout the lending process to build long-term loyalty and prompt client-led referrals
Handle client inquiries, complaints, and financing challenges professionally and efficiently
Requirements
Minimum of 2–5 years of proven sales experience ideally within banking or financial services
Bachelor’s Degree in Finance, Business Administration, Economics, or a related discipline
Possession of professional industry licenses is highly advantageous (e.g., Pre-Contract Examination for Insurance Agents (PCE), Takaful Basic Examination (TBE), and Federation of Investment Managers Malaysia (FIMM) licenses)
Strong credit financial acumen with excellent knowledge of mortgage products, legal property documentation, and valuation practices
Exceptional interpersonal, negotiation, and persuasive communication skills
Self-driven and highly resilient under target-driven pressures
Fluency in English and Bahasa Malaysia is required
Professional proficiency in Mandarin or local dialects (such as Cantonese) is highly beneficial
Nice to have
Professional proficiency in Mandarin or local dialects (such as Cantonese)
Possession of professional industry licenses (PCE, TBE, FIMM)