Senior Relationship Manager; Mortgage Financing

Job Description

Requirements

• Mortgage and housing-finance products, customer segments, distribution channels and market dynamics.
• Credit appraisal, affordability and cash-flow assessment, Debt Service Ratio, facility structuring and pricing.
• Property valuation, Loan-to-Value assessment, collateral, land ownership, legal perfection and insurance requirements.
• Mortgage portfolio economics, revenue drivers, asset quality, arrears management and management information.
• Sales leadership, performance management, key-account management and strategic partnership development.
• Relevant credit policy, KYC/AML, consumer protection, operational risk and mortgage-related regulatory requirements.
• Strong leadership, coaching and performance-management capability across a geographically distributed sales team.
• Proven high-value business origination, consultative selling, negotiation and deal-closing skills.
• Strong credit judgement and ability to structure complex mortgage transactions and present compelling credit proposals.
• Executive-level relationship management, influencing and strategic partnership-building skills.
• Pipeline management, forecasting, portfolio analysis and advanced Microsoft Excel/reporting capability.
• Excellent written and verbal communication, presentation and stakeholder-coordination skills.
• Strong planning, execution, problem-solving and decision-making ability under demanding turnaround times.

Responsibilities

• Translate the mortgage strategy, annual budget and growth priorities.
• Provide day-to-day leadership, target allocation, coaching, deal support and performance management
• Review RM pipelines, sales activity, lead conversion, productivity and forecasts; identify performance gaps early and implement practical recovery actions
• Maintain and deliver a personal high-value mortgage pipeline executives, diaspora clients, property investors and other priority segments
• Lead customer discovery, financial needs assessment, proposal development, facility structuring, pricing negotiation and credit submission
• Act as the transaction lead across Credit, Legal, Valuation, Credit Administration, Operations, Insurance and Branches to resolve bottlenecks
• Review the quality and completeness of mortgage applications
• Build and manage strategic referral relationships with property developers, agents, valuers, lawyers, employers, professional bodies and other partners that can generate sustainable mortgage business
• Work with Zones, Branches, Corporate Banking, Commercial and Business Banking, Private banking, Digital and Marketing teams to strengthen lead generation, cross-referrals and coordinated mortgage campaigns.
• Drive achievement of mortgage disbursement, portfolio growth, revenue, yield, fee and insurance income, and customer wallet-share targets across the assigned territories.
• Safeguard portfolio quality
• Analyze customer needs, competitor activity, market trends and channel performance. journeys.
• Prepare accurate management information, pipeline reports, forecasts, performance insights and business proposals to support timely management decisions
• Ensure all mortgage sales and relationship-management activities comply with credit policy, KYC/AML, conduct, fraud prevention, operational risk, regulatory and audit requirements.