Mortgage Advisor - Direct Sales

Job Purpose

• Promote Core Product within the assigned Business Territory (field sales) against set financial targets.

Core Responsibilities

• To achieve or exceed agreed core product sales targets to build new customer base in FAB.
• To promote the sales of Core Product in assigned area or work.
• To build and maintain effective business relationship with customers.
• To assist in conducting promotional activities, meetings and road shows in the assigned area to achieve the budgeted sales volumes.
• To ensure the submitted customer applications and documentations are complete and error free.
• To follow up for Document discrepancies which have been approved as Deferrals.
• Minimize errors and act upon them for correction and re-submission if any.
• To provide sales MIS and Daily reports to Sales Manager on regular basis.
• To provide ongoing customer / market feedback to Sales Manager to improve business.
• To build and maintain effective business relationship with Real Estate brokerage/ market.
• To be undertaken in compliance, at all times, with Code of Conduct, laid down policies and procedures.
• To capitalize on-cross selling opportunities.
• To perform additional duties, if assigned so by management
• To recommend customer applications which are considered good credit risk and as per FAB / Group policy.
• Requires good Convincing and negotiating skills in view of complexity in the relevant product.
• Be aware of competition and suggest changes for product improvements.
• Maintain effective business relationship with all branches and internal departments.
• To ensure that routine problems and complaints are handled professionally, and only minimal significant issues are escalated to Sales Manager.

Key Performance Indicator

• Achievement of assigned sales targets on a monthly basis as per the signed PCD’s

• Adherence to policies, processes, and procedures of the company and FAB.

Threshold Qualifications 

• Preferably University Degree.

Years & Nature of Experience 

• Minimum 1-year experience in selling mortgage products or sales in a Real Estate Market. Experience in selling other banking products is an added advantage.

Value-based Behaviours

• Proactive

• Customer focused & Service Quality

• Strong Sales Skills

• High motivation

• Ability to develop strong professional relationships within senior managers in various corporate and Govt & Semi Govt Depts.

Technical Competencies

• Desirable to have a sales diploma or certification.

• Should have good knowledge of FAB retail products.

• Good computer skills are desired.

• Competitive awareness and benchmarking.

• Multicultural Awareness.