Job Title: Home Loans Consultant
Organisation: Stanbic Bank
Duty Station: Kampala,
Uganda
Uganda
Job ID: 19845
About US:
Stanbic Bank Uganda Limited is a subsidiary of Stanbic Africa Holdings
Limited which is in turn owned by Standard Bank Group Limited (“the Group”),
Africa’s leading banking and financial services group. The Standard Bank Group
is the leading banking group focused on emerging markets. It is the largest
African banking group ranked by assets and earnings. Stanbic Bank Uganda
Limited is the largest bank in Uganda by assets and market capitalization. It
offers a full range of banking services through two business units; Personal
and Business Banking (PBB), and Corporate and Investment Banking (CIB).
Limited which is in turn owned by Standard Bank Group Limited (“the Group”),
Africa’s leading banking and financial services group. The Standard Bank Group
is the leading banking group focused on emerging markets. It is the largest
African banking group ranked by assets and earnings. Stanbic Bank Uganda
Limited is the largest bank in Uganda by assets and market capitalization. It
offers a full range of banking services through two business units; Personal
and Business Banking (PBB), and Corporate and Investment Banking (CIB).
Job Summary: The Home Loans
Consultant will assist the Home loans manager
to ensure that Building Loan applications are accurately and promptly processed
for lending decisions to meet required service level agreements and turnaround
times on all applications submitted
Consultant will assist the Home loans manager
to ensure that Building Loan applications are accurately and promptly processed
for lending decisions to meet required service level agreements and turnaround
times on all applications submitted
Key Duties and
Responsibilities:
Responsibilities:
·
Keenly analyse and interpret financial
statements for customers that intent to borrow.
Keenly analyse and interpret financial
statements for customers that intent to borrow.
·
Stay abreast with trends in the home loan book.
Stay abreast with trends in the home loan book.
·
Margin Management for home loans and other
secured products.
Margin Management for home loans and other
secured products.
·
Pricing optimisation in regards to concession
management and price reviews
Pricing optimisation in regards to concession
management and price reviews
·
Monthly, weekly and daily balance sheet updates
for the home loan and secured book
Monthly, weekly and daily balance sheet updates
for the home loan and secured book
·
Physically assess properties, for mortgage
purposes,
Physically assess properties, for mortgage
purposes,
·
Be constantly aware of opportunities for new
business and to follow up business which might be lost to other bank e.g. request
for references, request for settlements
Be constantly aware of opportunities for new
business and to follow up business which might be lost to other bank e.g. request
for references, request for settlements
·
Go to physical locations and evaluate
Residential properties, building loans, smallholdings and sectional titles in
terms of the set out requirements.
Go to physical locations and evaluate
Residential properties, building loans, smallholdings and sectional titles in
terms of the set out requirements.
·
Advanced product knowledge among the sales staff
and the general network through training and product awareness
Advanced product knowledge among the sales staff
and the general network through training and product awareness
·
Prudent application of finance charges to
maximise returns
Prudent application of finance charges to
maximise returns
·
Be constantly aware of opportunities for new
business and to follow up business which might be lost to other banks e.g.
request for references, request for settlement
Be constantly aware of opportunities for new
business and to follow up business which might be lost to other banks e.g.
request for references, request for settlement
·
In charge of the preparation of applications for
credit.
In charge of the preparation of applications for
credit.
·
Obtain all supporting documents i.e.
identification documents, license, pay slip and financial statements from the
customer.
Obtain all supporting documents i.e.
identification documents, license, pay slip and financial statements from the
customer.
·
Provide the personal and business banking teams
with deal execution schedules and manage the drawdown processes.
Provide the personal and business banking teams
with deal execution schedules and manage the drawdown processes.
·
Retention and management of existing loan book
with intentional cross-sell activities on top ups
Retention and management of existing loan book
with intentional cross-sell activities on top ups
·
Continually keep abreast of competitor and other
changes within the banking environment
Continually keep abreast of competitor and other
changes within the banking environment
·
Record and complete all the relevant
documentation quickly and accurately on individual accounts and weekly returns.
Record and complete all the relevant
documentation quickly and accurately on individual accounts and weekly returns.
·
Calculate the retention amounts to be held on
all building loans.
Calculate the retention amounts to be held on
all building loans.
·
Attend to customer enquiries relative to all
home loans and other secured lending products.
Attend to customer enquiries relative to all
home loans and other secured lending products.
·
Periodic
Customer information alignment to ensure data integrity
Periodic
Customer information alignment to ensure data integrity
·
Branch product training sessions and material.
Branch product training sessions and material.
·
Ensure no complaints and queries through
diligent and accurate work and if complaints are received, deal with such
complaints immediately and courteously.
Ensure no complaints and queries through
diligent and accurate work and if complaints are received, deal with such
complaints immediately and courteously.
·
Meet set daily, weekly and monthly productivity
targets for assessments.
Meet set daily, weekly and monthly productivity
targets for assessments.
·
Maintain good relations/ networks with internal
and external stakeholders, incl. credit and field agents.
Maintain good relations/ networks with internal
and external stakeholders, incl. credit and field agents.
·
Query management both internal and external
customers
Query management both internal and external
customers
·
Develop and follow a structured a customer
calling programme
Develop and follow a structured a customer
calling programme
·
Ensure quality and accuracy of reports,
verifications, pricing and impact down the line
Ensure quality and accuracy of reports,
verifications, pricing and impact down the line
·
Update the statistics sheet daily with accurate
completion, home loan portfolio and secured lending portfolio
Update the statistics sheet daily with accurate
completion, home loan portfolio and secured lending portfolio
·
Provide support, testing and change management
for any new system or system upgrade
Provide support, testing and change management
for any new system or system upgrade
·
implementation of new policies through constant
engagement with all key stakeholders
implementation of new policies through constant
engagement with all key stakeholders
·
Communication through awareness trainings of all
changes in product policies to the network and public
Communication through awareness trainings of all
changes in product policies to the network and public
·
Ensure that daily and weekly logs are completed
and submitted timeously.
Ensure that daily and weekly logs are completed
and submitted timeously.
·
Administer daily logs and assessment portfolio
in compliance with policies.
Administer daily logs and assessment portfolio
in compliance with policies.
Qualifications, Skills and Experience:
·
The ideal candidate for the Stanbic Bank Home
Loans Consultant vacancy must hold a Bachelor’s degree in Finance and
Accounting or Business Administration, Economics or related business field.
The ideal candidate for the Stanbic Bank Home
Loans Consultant vacancy must hold a Bachelor’s degree in Finance and
Accounting or Business Administration, Economics or related business field.
·
Demonstrated ability to stay attuned to the
needs of the market and developments in the finance sector.
Demonstrated ability to stay attuned to the
needs of the market and developments in the finance sector.
·
Able to translate market knowledge into product
innovations and new designs that are responsive to the needs of clients
Able to translate market knowledge into product
innovations and new designs that are responsive to the needs of clients
·
Broad knowledge and understanding of the Home
loans product
Broad knowledge and understanding of the Home
loans product
·
Demonstrated ability to implement operational
techniques and activities that are used to fulfil requirements for quality
including; improvement, control, management or assurance of quality
Demonstrated ability to implement operational
techniques and activities that are used to fulfil requirements for quality
including; improvement, control, management or assurance of quality
·
Ability to analyse customer needs by engaging
with them, analysing their business objectives and their financial position
Ability to analyse customer needs by engaging
with them, analysing their business objectives and their financial position
·
Knowledge and understanding of the risks and
processes associated with lending using fixed assets as security for long term
loans
Knowledge and understanding of the risks and
processes associated with lending using fixed assets as security for long term
loans
How to Apply:
All candidates who wish to join the one of Africa’s biggest Banking
Groups, Standard Bank in the aforementioned capacity are encouraged to Apply
Online by visiting Link below.
Groups, Standard Bank in the aforementioned capacity are encouraged to Apply
Online by visiting Link below.
Deadline: 18th November, 2016
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