Mortgage Sales Officer

job requisition id R-15971985

**Empowering Africa’s tomorrow, together one story at a time.**:
With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

**Job Summary**

Based in Head Office, will have responsibility for selling products, servicing customer and manage pioneers on a proactive and reactive basis. The role holder will be required to meet minimum performance standards across service and sales meeting a minimum number of sales per week based on an appropriate product mix. The role is based in a named office, but the role holder will be expected to work in and support other departments as and when required. The role operates using pre-programmed systems and well-defined procedures, but there may be times when the role holder must address unforeseen situations, escalating to more senior level as appropriate.

**Main accountabilities**
- Develop and execute strategies to achieve mortgage sales targets.
- Identify and engage potential clients through various channels, including referrals, partnerships with developers, and direct marketing.
- Conduct needs assessments and recommend suitable mortgage products to customers.
- Undertake customer service initiatives/requirements for face-to-face customers to pre-determined service standards.
- Build relationships with existing customers to proactively anticipate and address future customer needs and identify sales opportunities.
- Cross-sell appropriate customer needs related products face to face.
- Complete follow-up paperwork and undertake administration activities to ensure effective, efficient, and compliant operation of the product.
- Assist customers in completion of Bank stationary, forms etc.
- Introduce customers to appropriate product/segment specialists.
- Undertake in-bound and out-bound marketing, enough mortgage brochures, special campaigns, promotions etc.
- Handle complaints.
- Work to achieve service and sales targets.
- Maintain statistics and monitor progress of target reporting.
- Ensure onboarding process and relationship deepening.
- Deliver an individual assigned financial target on local business.

**Portfolio Management**:20%**
- Maintain a healthy mortgage portfolio by monitoring loan performance and managing risks.
- Conduct regular reviews of customer accounts to identify opportunities for cross-selling or refinancing.
- Address delinquent accounts and collaborate with the Collections team to resolve repayment issues.
- Analyse portfolio trends to provide insights and recommendations for growth and risk management.
- Prepare and present portfolio performance reports to management.
- Ensure all mortgage sales and portfolio activities comply with regulatory and internal policies.
- Conduct thorough due diligence to minimize credit and operational risks.
- Keep up-to-date with industry trends, regulatory changes, and market conditions impacting the mortgage business.
- Collaborate with marketing teams to develop campaigns promoting mortgage products.
- Support training initiatives for sales members or other departments on mortgage products.
- Ensure timely renewal of property insurance policies for all mortgage clients to maintain adequate coverage.
- Work closely with Bancassurance and PSA property Insurance to follow up with customers and insurers for renewal and to confirm insurance compliance and update records accordingly.
- Coordinate the renewal of property valuation reports as per policy requirements to assess the current value of mortgaged properties.
- Liaise with approved valuers to ensure timely and accurate reporting, maintaining compliance with regulatory and institutional standards.
- Maintain statistics and monitor progress of target reporting.

**Risk and Controls Objectives**

Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Absa Operational Risk Framework and internal Absa Policies and Standards.
- Understand own role in the end-to-end processes in which you play a part, including applicable risks and controls.
- Adhere to Absa’s policies and procedures applicable to own role, demonstrating sound judgement and responsible risk management.
- Report all risk events / incidents / issues using the defined process for your business area and help to understand why these happened and how to prevent them in future.
- Proactively look for ways to improve the control environment by considering what could go wrong in the processes you operate and how errors could be prevented.
- Continuous and proactive engagement with regulatory bodies, unions where applicable.
- Complete all mandatory training to deadline.

**Be seen/heard doing/being
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**In an Operations context**:

- Support, and where appropriate lead, effective client meetings; understan