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Company: 2201 United Overseas Bank (Malaysia) Bhd
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 Responsibilities**
* Advise clients on suitable mortgage products, including home loans, refinancing, and other property-related financing options, based on their financial needs and eligibility.
* Guide clients through the mortgage application process, including documentation submission, credit assessment, and property valuation.
* Conduct thorough financial analysis of applicants to assess their repayment capacity and risk profile.
* Prepare and present loan proposals to clients, clearly explaining terms, conditions, and repayment schedules.
* Liaise with internal departments (e.g., credit, legal, operations) and external parties (e.g., valuers, lawyers) to ensure smooth processing and timely approval of mortgage applications.
* Stay updated on market trends, interest rates, and regulatory changes affecting the mortgage industry.
* Maintain strong relationships with existing clients and actively seek new business opportunities through various channels.
* Ensure strict adherence to all internal policies, procedures, and relevant banking laws and regulations.
* Achieve individual sales targets and contribute to the overall team's objectives.
* Provide excellent customer service throughout the entire mortgage journey, addressing queries and resolving issues promptly and professionally.
Job Qualifications**
* Bachelor's degree in Banking, Finance, Business Administration, or a related field.
* Minimum of 2-3 years of experience in mortgage sales or a similar financial services role, preferably within a banking environment.
* Proven track record of achieving sales targets and building strong client relationships.
* In-depth knowledge of mortgage products, lending criteria, and relevant regulatory frameworks in Malaysia.
* Strong understanding of financial analysis, credit assessment principles, and property market dynamics.
* Excellent communication, negotiation, and interpersonal skills.
* Ability to work independently and as part of a team in a fast-paced environment.
* Proficiency in Microsoft Office Suite.
* Possession of relevant professional certifications (e.g., PCE, CUTE) is an advantage.
* Customer-centric mindset with a commitment to delivering exceptional service.
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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