Mortgage Application Officer
Standard Chartered Bank
Hong Kong, Hong Kong, Asia

About Standard Chartered

We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.

To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good.

We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation.

This in turn helps us to provide better support to our broad client base. The Role Responsibilities


  • To keep a high quality output of work for all types of Retail Banking asset / liability products at all time and be delivered to customers at competitive costs.
  • Business

  • To streamline workflow and procedures and introduce automation process in order to cope with the ever changing needs of the market and ongoing expansion of businesses.
  • To provide full operational support to various business initiatives as driven by Value Centers and / or other service delivery channels.
  • Processes

  • To ensure efficient and effective scope of operations is always in place within Retail Mortgage Operations covering various loan processing work, system functionality and support, customer services.
  • To balance and to allocate suitable manpower and resources for high and low business seasons according to marketing conditions and needs.
  • People and Talent

  • To promote the concept of cross-function support, multi-skills training and experiences sharing to all staff members of the department.
  • To cultivate good channels of communication with colleagues at all levels and listen to their comments and feedback on any concerned matters.
  • To stimulate staff morale within Secured Lending Operations and helping to resolve any arising problems and grievances.
  • Risk Management

    Assist in coordinating, facilitating and promoting understanding of operational risk and in implementation and management of OR within the Unit.


  • To undertake periodic self-assessment on key controls to assess the proper functioning and adequacy of existing controls.
  • Ongoing review and modification of operational procedures and standards to cater for both system environment and market changes in order that the highest efficiency of system features and staff resources are employed.
  • Regulatory & Business Conduct

  • Display exemplary conduct and live by the Group’s Values and Code of Conduct.
  • Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank.
  • This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.

  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
  • Frontlines
  • Business, Sales & Branch Channel
  • Retail, Priority & Business Banking
  • Product Team
  • Service Delivery / Fulfilment Teams
  • Customer Assistance
  • Credit Initiation
  • Operations Risk Management
  • Human Resources
  • Finance Division
  • Legal and Compliance
  • Customer Relations / Service Quality / CEPG
  • Information System
  • Group Technology / ATOS Origin / Salmat
  • System & Support
  • External

  • Solicitor & law firms
  • Valuation companies
  • Insurance Companies
  • Mortgage loan-sub-participation and securitization investors
  • Outsourced vendors
  • GBS (Chennai, TJ & KL hub)
  • Government Bodies

  • Hong Kong Mortgage Corporations
  • Hong Kong Housing Authority
  • Hong Kong Housing Society
  • Hospital Authority
  • Government Treasury
  • Trade and Industry Department
  • Rent & Rate Department
  • Small Claim Tribunal
  • Hong Kong Monetary Authority
  • Trans Union / CCRA

    Microsoft Office Excel, English and Chinese typing


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