Mortgage Specialist

About UOB

United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices. Our history spans more than 80 years. Over this time, we have been guided by our values – Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success. It is how we work, consistently, be it towards the company, our colleagues or our customers.

Job Description

Job Summary**

Responsible for providing comprehensive mortgage solutions to customers, from initial consultation to loan disbursement, ensuring excellent customer service and adherence to bank policies and regulatory requirements.

Job Responsibilities**

* Identify and proactively engage with potential mortgage customers through various channels, including referrals, branch walk-ins, and outbound calls.
* Conduct thorough financial needs analysis for customers, assessing their eligibility and recommending suitable mortgage products (e.g., housing loans, refinancing, bridging loans).
* Explain complex mortgage terms, conditions, interest rates, and repayment options clearly and concisely to customers.
* Guide customers through the entire mortgage application process, assisting with documentation collection, form completion, and submission.
* Liaise effectively with internal departments such as credit assessment, legal, and operations to ensure smooth and timely processing of mortgage applications.
* Maintain up-to-date knowledge of UOB Malaysia's mortgage products, policies, and pricing, as well as relevant industry trends and regulatory changes.
* Address customer inquiries and resolve issues promptly and professionally, ensuring a high level of customer satisfaction.
* Achieve individual sales targets and contribute to the overall team's performance.
* Ensure strict compliance with internal policies, procedures, and external regulatory requirements (e.g., Bank Negara Malaysia guidelines).
* Participate in marketing activities and roadshows to promote UOB Malaysia's mortgage offerings.

Job Qualifications**

* Minimum of a Bachelor's Degree in Business, Finance, Banking, or a related field.
* At least 2-3 years of proven experience in mortgage sales or a related financial services role, preferably within a banking environment.
* Strong understanding of mortgage products, credit assessment principles, and the Malaysian property market.
* Excellent communication, interpersonal, and negotiation skills.
* Demonstrated ability to build rapport and establish trust with customers.
* Results-oriented with a strong sales drive and the ability to meet and exceed targets.
* Proficiency in Microsoft Office Suite.
* Ability to work independently and as part of a team in a fast-paced environment.
* Knowledge of relevant regulatory requirements (e.g., BNM guidelines) is essential.
* Fluent in English and Bahasa Malaysia; proficiency in Mandarin or other local dialects would be an added advantage.

Additional Requirements

Be a Part of the UOB Family

UOB is an equal opportunity employer. UOB does not discriminate on the basis of a candidate's age, race, gender, color, religion, sexual orientation, physical or mental disability, or other non-merit factors. All employment decisions at UOB are based on business needs, job requirements and qualifications. If you require any assistance or accommodations to be made for the recruitment process, please inform us when you submit your online application.

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