About the Job

Are you ready to lead a dynamic team and drive growth in the mortgage finance sector? Do you possess a passion for business development and risk management within the banking industry? If so, we have an exciting opportunity for you to join our team as the Head – Corporate Mortgage. As the Head of Corporate Mortgage, you will spearhead the marketing and management of high-value mortgage and project finance business, contributing to the growth of our Co-operatives (CBD), and Corporate & Institutional Banking (CIBD) divisions. Your role will involve developing and executing sales strategies, maintaining portfolio standards, and championing risk management practices to ensure sustainable business growth. If you’re a motivated individual with a passion for driving business growth and ensuring risk management excellence, we want to hear from you! Join our team and embark on a rewarding journey where you can make a real difference in the mortgage finance sector.

Responsibilities

Lead sales efforts and business growth in Co-operatives & CIBD Division.
Originate, structure, and close mortgage/project cases, managing end-to-end deal conversion and revenue momentum.
Develop and manage a mortgage pipeline, driving quality business through effective customer engagement.
Ensure portfolio quality in adherence to the bank’s credit policy and risk management practices.
Provide continuous product knowledge and support to Relationship Managers and customers, maximizing opportunity identification and solutions.
Implement processes for early identification of problem accounts, collaborating closely with Relationship Managers.
Monitor MIS/risk reports rigorously to mitigate potential risk factors.
Monitor account conduct, payment of facilities, and covenant compliance.
Support customers in financial challenges, facilitating appropriate restructuring to preserve the bank’s position.
Ensure compliance with KYC and ALM measures, in line with regulatory requirements.
Develop and maintain strong relationships with business function units.
Enhance product visibility and market presence within CIBD and CBD.
Foster partnerships to create an end-to-end customer approach and enhance the value chain.
Conduct post-implementation reviews on key accounts, recording learning points for process improvement.
Collaborate with product development teams and participate in staff training on mortgage products.
Ensure strict adherence to all regulations, statutes, standards, and internal processes and procedures.
Contribute to department/division attaining a “Satisfactory” rating in both internal and external audits by adhering to standards and regulations.

Requirements

A Bachelor’s degree in Finance/Accounting, Business Administration, Economics, or related field.
An MBA and professional qualification in accountancy preferred.
Knowledge and experience in real estate/project/construction finance, preferably in a banking environment.
Ability to package solutions for emerging customer needs.
Ability to drive sales and uptake of mortgage finance products.
Knowledge in mortgage finance products and services.
Capacity to ensure compliance with product credit policy and operations.
A team player who can collaborate with business segments to identify client potential and ensure disbursements.