Specialist, Home Loans

Job Purpose.

To facilitate and develop a close relationship between Stanbic Bank Kenya (SBK), the estate agent and/or developers to ensure that all potential buyers are referred to SBK.  To proactively sell SBK home loan products to new property buyers through dedicated estate agents/developers to maximise our market share and grow the Banks home loan book.  To provide training and support to the estate agents/developers with a view to achieve our desired market share.

Job Specifics.

• Achieve allocated home-loans targets.
• Act as primary point of contact for potential home buyers and provides the best advice to conclude the sale.
• Establish, maintain and leverage estate agent and developers for end user finance
• Attend development launches/show houses to represent Stanbic Bank Kenya.
• Distribute promotional material between all estate agents and developers according to market share contribution.
• Ensure accurate capture, updates or amendments of client information and history notes.
• Provide primary point of contact to customers by identifying their finance needs and fulfilling on them
• Develop business opportunities by following up/pursuing leads
• Ensure that applications are accurately completed in CAMS and Flowcredit with minimal reworks and aligned to SLA
• Ensure that service requests in personal work list are actioned within agreed timelines.
• Ensure upfront approval of new developments for e.g. exposure for sectional title development, attorney approval, etc.
• Facilitate an effective and efficient end to end home loan application process (from application submission to registration).
• Facilitate and develop sound relationships with the estate agent and developer through an effective calling programme.
• Facilitate and develop sound relationships with the internal channels such as Branches, group schemes, credit, valuers and collateral
• Ensure all loans booked are properly managed to avoid arrears of lock up
• Identify and action opportunities for cross  and up sell.
• Identify opportunities to promote other Stanbic Bank Kenya (SBK) products (cross-sell).
• Keep clients, agents/developers informed of loan progress.
• Negotiate with pricing for competitive interest rates for the client.

Qualifications

Minimum Qualifications

• Type of Qualification: Fist degree in Sales & Marketting or any related field.
• Field of Study: Not applicable

Experience Required
Main Market Clients

• Personal and Private Banking
• 3-4 years Experience in the field of home loans and related products.

Additional Information

Behavioral Competencies:

• Adopting Practical Approaches
• Checking Details
• Conveying Self-Confidence
• Embracing Change
• Exploring Possibilities
• Following Procedures
• Interacting with People
• Managing Tasks
• Producing Output
• Resolving Conflict
• Team Working
• Upholding Standards

Technical Competencies:

• Banking Process & Procedures
• Customer Understanding (Business Banking)
• Financial Acumen
• Financial Analysis
• Product and Services Knowledge
• Risk Awareness
• Risk Identification