Mortgage Specialist

Job ID: 41996
Location: Karachi, Pakistan
Area of Interest: Retail Banking
Job Type: Regular Employee
Work Style: Office-Based
Opening Date: 3 November 2025

This position is centered on acquiring new customers by understanding their business needs with a focus on lending solutions, particularly Home Finance. The role aims to drive revenue growth, identify new business opportunities, and deliver value-added financial solutions that support the bank’s long-term sustainable development.

Key Responsibilities
- Guide clients through the mortgage application process, offering expert advice on Home Finance products and related financial services.
- Use strong communication and analytical skills to evaluate and recommend approvals for both commercial and residential real estate financing.
- Provide clear guidance to borrowers regarding their financial status and payment options, ensuring transparency throughout the process.
- Conduct face-to-face meetings with prospective customers to collect loan application details, perform needs-based assessments, and resolve any questions.
- Assess applicants’ financial health, creditworthiness, and property valuations to determine loan feasibility.
- Explain product options, terms, and features clearly, with particular emphasis on Home Finance procedures and bank policies.
- Meet monthly sales targets and secure asset commercial bookings in line with scorecard objectives.
- Keep abreast of market trends and regulatory updates, adjusting strategies to meet evolving customer needs.
- Adhere strictly to group policies, local laws, regulations, and internal controls.
- Uphold the Group Code of Conduct and report any suspicious or irregular activities promptly to management.
- Maintain professional integrity and foster positive relationships with customers and internal teams.
- Ensure full understanding and compliance with all contractual terms throughout the loan lifecycle.
- Stay informed about Anti-Money Laundering (AML), Customer Due Diligence (CDD), compliance frameworks, and audit requirements.

Required Qualifications
- Proven ability to build and sustain strong customer relationships.
- Demonstrated success in sales with a consistent record of meeting or exceeding targets.
- Comprehensive knowledge of home finance products and services.
- Strong negotiation and problem-solving skills.
- Practical experience in mortgage lending, home finance, or related financial sectors.
- Excellent analytical skills with keen attention to detail.

Preferred Qualifications and Benefits
Standard Chartered is a global bank with over 170 years of heritage, dedicated to creating positive impact for clients, communities, and employees. The bank embraces diversity, inclusion, and integrity, fostering an environment where employees can thrive and contribute meaningfully.

What We Offer:
Competitive salary and benefits aligned with the Fair Pay Charter, supporting mental, physical, financial, and social wellbeing. Core bank funding for retirement savings, medical, and life insurance, with flexible and voluntary benefits available in select locations. Generous leave policies including annual leave, parental/maternity leave up to 20 weeks, sabbaticals up to 12 months, and volunteering leave of 3 days, with a minimum combined total of 30 days for annual and public holidays. Flexible working arrangements tailored to home and office locations with adaptable patterns. Proactive wellbeing support through a digital wellbeing platform, resilience training, Employee Assistance Programmes, mental health first aiders, and various self-help resources. A continuous learning culture offering opportunities to reskill and upskill via physical, virtual, and digital platforms. An inclusive, values-driven workplace that celebrates diversity and empowers employees to reach their full potential.

For further details about careers at Standard Chartered, please visit the official careers website.

Job Skills

Customer Relationship Building Sales Acumen Home Finance Products Knowledge Negotiation Problem-Solving Mortgage Lending Experience Analytical Skills Attention to Detail Communication Skills Financial Analysis Compliance And Regulatory Knowledge AML and CDD guidelines

Job Details

Industry:

Business Development

Total Positions:

1 Post

Job Shift:

First Shift (Day)

Job Type:

First Shift (Day)

Job Location:

Karachi, Pakistan

Gender

No Preference

Age

18 - 65 Years

Minimum Education

Bachelor

Career Level

Entry Level

Maximum Experience

Doesn't Matter

Apply Before:

Dec 05, 2025