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Mortgage Fulfilment Officer
Overall Job Purpose
- Responsible for managing and fulfilling conditions with the mortgage loan customers and loan officers for loans within the mortgage business loan pipeline.
- The Mortgage Fulfilment Specialist will be responsible for understanding and accelerating the processing of loans while achieving the goals set forth in HFC mortgage product guidelines and processes.
- The Mortgage Fulfilment Specialist is also responsible for validating and verifying application data including, but not limited to property and clients’ income.
Principle Accountabilities
- Collaborate with Retail sales teams and support units to seek sales growth and business improvement opportunities.
- Assist in mortgage loan pipeline management, including, but not limited to, tracking closing dates and having regular pipeline review meetings with originators
- Assist in overseeing multiple loan files within the closing pipeline
- Support the Mortgage Lending Team
- Collaborate with Lawyers and Valuers to seek the highest levels of standards and quickest TAT on their services
- Overall management of the Mortgage Business products to ensure superior service offering to all customers, reduction of fraud and losses
- Provide analytical support to Mortgage Businesses with Market Intelligence reports on various aspects of mortgage performance.
- Any other relevant analytical tasks assigned by the Head of Mortgage Business
- Establish and maintain a strong customer-focus approach both with internal and external customers.
- Keep the Relationship team constantly informed on the progress of their applications
- Identify and address any fraud-related activities and ensure risk exposure is minimized.
- Follow up on transactions with Advocates and valuers to ensure they are within the agreed TAT
- Cross-sell Property Financing products whenever an opportunity arises.
- Assist in conducting customer retention activities as per the retention program
- Facilitate and develop sound relationships with internal channels such as Branch Networks, and Product department unit.
Minimum Qualifications, Knowledge and Experience
Education:
- Bachelor’s degree in Finance, Economics, Business administration, Accounting or related field of study
- Professional qualifications in a relevant discipline.
Experience:
- Minimum 3 years’ experience in mortgage loan processing or fulfilment experience
- A minimum of 5 years working experience in a financial institution preferably a bank
Technical and General Competencies:
- Excellent interpersonal skills, presentation and communication skills
- Proficient in mortgage lending compliance and regulatory requirements, and a solid understanding of mortgage lending criteria
- Ability to thrive in a high-volume, fast-paced environment
- Self-motivated and self-sufficient in approach to work
- Strong organizational and time management skills; close attention to detail
- Ability to build and maintain positive and effective relationships with others
- Strong oral and written communication skills, a good listener, articulate, ability to effectively present information and respond to inquiries
- Strong work ethic; ability to work to achieve desired production results
- A good working knowledge of MS Office packages.
- Strong organizational and time management skills; close attention to detail
- Knowledge of Banking and Business Operations: Well-rounded knowledge of all the Banks’ products, operations, and processes and excellent knowledge of bank policies and procedures to consistently achieve the required compliance standard.
Business Development Manager-Mortgage Business & Partnerships
Overall Job Purpose
- Drive the Mortgage Business proposition through acquiring new business, deepening the Mortgage business portfolio and building strategic partnerships leading to increased utilization of products.
Principle Accountabilities
- Maintain and grow the existing mortgage business customers through enhanced relationship management.
- Work closely with the HFDI (Development and Investment subsidiary) team to leverage its distribution and deliver solutions across the country
- Constantly engaging signed-up partners to ensure maximum uptake of solutions
- Ensure 100% participation in product promotional activities, customer events, and scheduled product clinics.
- Increase product uptake in the existing, Retail, Commercial, Business Banking & Institutional Banking customers base.
- Planning and preparing client presentations: A large part of the role will be to communicate clearly to prospective clients the solutions that the bank offers. The target group would be large corporates, SMEs, and individuals, and the presentations should be suited to the right target group
- Achieve the set asset targets in terms of volume and value
- Identify and manage strategic partnerships that are value adding to the customers and the company.
- Ensure product knowledge is embedded in the Relationship team i.e. Soft skills, product knowledge, selling, and operational skills, and promote a culture of performance, belonging, and ownership amongst the colleagues.
- Manage and coordinate Property Solution Centre customer support from customers sign ups to completion of sales transaction.
- Work closely with branch and mortgage teams to ensure referrals are generated and customers are offered appropriate solutions.
- Generate market intelligence reports with a view to improve the company’s offering.
Minimum Qualifications, Knowledge and Experience
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Education
- A Bachelor’s degree in a business -related discipline or equivalent from a recognized University.
- An advanced degree will be an added advantage
- Relevant professional qualifications
Experience:
- At least 5 years banking experience, 3 of which must be in Sales
- Knowledge and understanding of the processes and procedures of lending.
- Ability and Flexibility to travel widely and be accessible to Property Finance partners
- At least 3 years’ experience in Mortgage business
Technical and General Competencies:
- Selling and Negotiation Skills, Demonstrated experience in policy development and implementation.
- Experience in development of market intelligence reports
- Awareness of latest developments within the real estate field.
- Excellent interpersonal skills, presentation and communication skills, both written and verbal.
- Commercial Acumen.
- Exceptional planning and organizing skills prioritizing, and multi-tasking skills.
- Planning & organization Skills.
- Strategic Orientation and leadership skills.
- Relationship Management and Financial Acumen.
- The flexibility to work outside normal office hours as may be required from time to time.
- Ability to effectively present information and respond to questions from managers, clients, and customers
- Ability to leverage data and analytics for establishing the appropriate business development target list to build, manage, and influence successful relationships and partnerships.
Home Loan Specialist
Overall Job Purpose
- This role involves working closely with our customers and team to manage mortgage loans and applications. You will be actively involved in customer acquisition and onboarding processes. This role requires both independent and team-based work.
- You will work closely with our clients and find the best mortgage loans for them. You’ll estimate creditworthiness by combining information from client interviews and financial documents. Submitting applications and reporting on their progress will also be part of your mortgage loan officer duties.
Principle Accountabilities
- Providing home loan solutions to customers looking to purchase property by evaluating customer’s financials.
- Taking the potential customers through our products and services as well as helping them make decisions as to what best suits their needs
- Assisting the customers with the mortgage loan application process
- Reviewing loan applications, verifying information, and determining eligibility
- Onboarding new customers and assisting the customers with the initial step in the mortgage application
- Conduct branch Home Loan marketing campaigns and participate in country-level campaigns
- Manage customer queries and complaints by taking ownership, escalating where necessary, and resolving in a timely manner.
- Actively updating customers on changes in policy, eligibility, application status, or any other information
- Ensure compliance with confidentiality policies throughout the process
- Build a supportive referral network (e.g. with clients, developers, and real estate agents)
- Resolving customer issues in a timely manner
- Achieve operational rigor excellence in all aspects of procedures and processes are undertaken to ensure satisfactory audit.
- Attending promotional events, to showcase our mortgage proposition and ensure conversion of leads derived from the activation
- Creating weekly, monthly, and annual reports
- Other duties as assigned.
Minimum Qualifications, Knowledge and Experience
- Providing home loan solutions to customers looking to purchase property by evaluating customer’s financials.
- Taking the potential customers through our products and services as well as helping them make decisions as to what best suits their needs
- Assisting the customers with the mortgage loan application process
- Reviewing loan applications, verifying information, and determining eligibility
- Onboarding new customers and assisting the customers with the initial step in the mortgage application
- Conduct branch Home Loan marketing campaigns and participate in country-level campaigns
- Manage customer queries and complaints by taking ownership, escalating where necessary, and resolving in a timely manner.
- Actively updating customers on changes in policy, eligibility, application status, or any other information
- Ensure compliance with confidentiality policies throughout the process
- Build a supportive referral network (e.g. with clients, developers, and real estate agents)
- Resolving customer issues in a timely manner
- Achieve operational rigor excellence in all aspects of procedures and processes are undertaken to ensure satisfactory audit.
- Attending promotional events, to showcase our mortgage proposition and ensure conversion of leads derived from the activation
- Creating weekly, monthly, and annual reports
- Other duties as assigned.
Legal Manager
Principle Accountabilities
LEGAL FUNCTIONS
- Support HFDI in conveyance of the housing units to the vendors of the units
- Support HFDI in onboarding new projects, due diligence, structuring and contracting the various projects
- Engaging with external advocates, registries and relevant government bodies in obtaining approvals for the projects
- Providing legal opinions to the Subsidiaries Heads, Management & the Branch Network and diverse business including affordable housing
- Drafting, perusing & approving service & other contracts entered into with the Company by external service providers and drafting other legal documents as may be required by the Company from time to time
- Coordinating and convening board and shareholder meetings of the various joint venture companies
- Regulatory compliance by compiling and filing the relevant statutory documentation with the Registrar-General, which include Annual returns, change of directors and share increment for the joint venture companies
- Drafting and reviewing company-wide legal related documentation for use by the Company and its customers including conveyance templates, leases and contracts, and constant evaluation & monitoring of the agreements that the Company is party to mitigate legal risk of non-compliance with continuing obligations
- Liaising with other bank staff to ensure facilities advanced to Company customers are expeditiously processed and disbursed
- Preparing standard legal documentation for use by the Company from time to time i.e. sale agreements, transfer charge documents, guarantee forms and other formats of a standard nature
- Constant evaluation & monitoring of the agreements that the Bank is party to mitigate legal risk of non-compliance with continuing obligations
- Perusing & interpreting legislation & other legal instruments
- Issuing of completion notices & legal demand letters in cases of default
- Protect members and stakeholders’ rights, privileges and interests in intellectual property and other product innovations, processes through patents and copyrights and take the necessary action to protect and preserve such rights from infringement.
- Sit in disciplinary hearings for staff members and provide legal steer on the process and procedures of the hearing
- From time to time conduct review of financing proposals and suggest best possible legal structure and documentation for deal transactions
- Periodically assess the advocate’s performance against the SLA signed between the Bank and the Advocates.
- Trainings and capacity building fora for HF staff members, and managing legal opinions and FAQs to staff
ADMINISTRATIVE RESPONSIBILITIES
- Handling & exchanging daily correspondence with Subsidiaries, Branches & other Departments of the Company
- Maintaining & constantly updating a record of the Company’s contracts, leases, trademarks, professional indemnities and status thereof
STAFF FUNCTIONS
- Appraise staff performance in the unit.
- Ensure fair and equitable distribution of duties.
- Supervise all staff and ensure discipline is maintained.
- Attend to staff complaints, personal grievances and counsel them when necessary.
CUSTOMER CARE
- Listen to problems and offer timely and workable solutions.
- Treating external staff and internal staff courteously and making every effort to be of assistance.
- Counseling staff on legal matters.
TRAINING
- Training staff on new regulatory developments and other matters of a legal nature in liaison or collaboration with external counsel.
- Follow up on performance of the trained Staff at the respective work stations
- On Site Training.
OTHER DUTIES
- Represent the department in certain meetings when called upon and as delegated from time to time.
- Represent the Company whenever called upon to do so.
- Any other duties as assigned from time to time.
- Conducting workshops for specific needs of business units
- Representing the department in Company projects that require legal input
- Sitting in & actively participating in nominated committee & task forces
Minimum Qualifications, Knowledge and Experience
Education:
- Bachelor’s degree in Law from a recognized institution; and
- Diploma of Law from the Kenya School of Law.
- Commissioner for Oaths and Notary Public;
- Advocate of the High Court of Kenya.
- Registered CPS with the Institute of Certified Secretaries of Kenya is an added advantage
Experience:
- An Advocate of 5 years’ experience, practising in a busy commercial law firm specialising in conveyancing and deals structuring
- Working knowledge of the legal environment for Affordable Housing, Joint Ventures, Land Administration, Land Registration, Banking and general business/commerce in Kenya
- Working knowledge of the lending practice for financial institutions, particularly lending to the different market segments – corporate, SMEs and retail banking
- Working knowledge of business management and banking acquired through practical experience in a work environment, seminars and courses on business and banking related subjects
- Participant in Continuous Education programs under both the Law Society of Kenya and ICPSK;
- Working knowledge of banking business acquired through working in a banking institution
- Participation in facility structure meetings, due diligence exercises and management of non-performing loan portfolio.