Mortgage Officer Job – Sidian Bank Kenya Hiring

Sidian Bank is seeking a dedicated Officer – Mortgage to support the management, growth, and profitability of the Mortgage Business in Nairobi. This critical banking and finance job in Kenya requires a University Degree or Diploma, and at least 5 years of experience in mortgage product management, ideally within the banking or financial services sector. The Officer will provide essential analytical, sales, and operational support, focusing on data extraction and analysis, maintaining loan quality, ensuring compliance, and championing the growth of the bank’s mortgage portfolio.

About Sidian Bank

Sidian Bank is committed to empowering entrepreneurs and growing its lending portfolio, with the Mortgage Business being a strategic area for stability and long-term growth. The Officer role is central to executing the strategic vision of the Mortgage Manager, ensuring product profitability, adherence to the bank’s credit policy, and maintaining a high-quality loan book in the competitive Kenyan mortgage market.

Role Overview

The Mortgage Officer provides hands-on technical and analytical support across the entire product lifecycle. Key duties include extracting and analyzing complex mortgage data using SQL Oracle scripts from various systems (EDWH, T24, Credit Quest), preparing detailed performance analysis reports for non-technical stakeholders, supporting product development and enhancement, assisting in the development of a mortgage sales culture, and diligently monitoring the portfolio’s PAR/NPL and compliance with audit and regulatory requirements.

Key Responsibilities

• Data Analysis & Reporting: Extract, generate, and maintain mortgage data from various sources (EDWH, T24, Credit Quest), transforming monitoring reports using SQL Oracle scripts into consumable formats.
• Performance Analysis: Conduct daily, weekly, monthly, and ad-hoc in-depth performance analysis (trend, growth comparisons, individual productivity) and advise the Mortgage Director appropriately for decision-making.
• Loan Book Quality: Prepare quality loan applications, conduct comprehensive analysis (account statistics, customer visits), structure specialized credit facilities, and monitor loan repayment and loss ratios (PAR, NPL management).
• Product Management Support: Lead the development and management of the mortgage product portfolio (design, development, iteration, compliance); evaluate mortgage product features and recommend enhancements.
• Compliance & Risk: Ensure compliance with regulatory, legal, and internal standards; ensure proper filing, documentation, and closure of identified deficiencies from concluded audits.
• Training & Sales Culture: Assist in the development and implementation of a mortgage academy; train all bank staff on mortgage products to generate curiosity and drive sales behaviour.
• Strategic Support: Provide timely, relevant, and accurate reporting and analysis of the division’s performance against historical, budgeted, and strategic plans.

Qualifications & Experience

• Experience: At least 5 years of experience in mortgage product management, ideally within the banking or financial services sector.
• Education: University Degree or Diploma.
• Skills & Competencies: Deep understanding of loan products and the mortgage market; strong analytical skills with the ability to use data (SQL Oracle scripts) to drive decision-making; proven ability to innovate and improve product offerings.
• Professional Certification: Professional Banking qualification (AKIB) is an added advantage.

How to Apply

Qualified banking professionals for this essential Nairobi mortgage job should submit their application through the official online portal: Sidian Bank on sidianbank.co.ke

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