Home Loan Specialist -Thika at Absa Bank Limited

Home Loan Specialist -Thika at Absa Bank Limited – Absa Bank Limited Kenya Job Details

About the Role

Absa Bank Limited is recruiting a Home Loan Specialist -Thika at Absa Bank Limited to lead mortgage sales and customer service delivery across the Thika branch network. This is a full-time position based in Kenya within the retail banking sector. The role combines direct customer engagement, loan origination, and operational compliance to drive home loan portfolio growth while maintaining service excellence.

As a Home Loan Specialist -Thika at Absa Bank Limited, you will own the branch’s mortgage sales targets, guide customers through the application and approval process, and ensure all transactions meet regulatory and internal standards. Your performance will be measured on sales delivery, customer satisfaction, and adherence to operational procedures.

Key Responsibilities

• Identify and qualify customer home loan requirements using the bank’s standard sales process, then present appropriate loan products and terms.
• Achieve and exceed quarterly and annual home loan sales targets while managing cross-sell opportunities for complementary banking products.
• Explain home loan procedures, documentation requirements, and lending criteria to customers in clear, accessible language.
• Complete all loan applications, internal submission forms, and supporting documentation with accuracy and without errors; collate and package relevant documents for processing.
• Manage customer inquiries and complaints by taking ownership, escalating where appropriate, and resolving issues within service level agreements.
• Conduct branch-level home loan marketing campaigns and participate in countrywide promotional initiatives to build brand visibility.
• Maintain records of home loan sales performance, pipeline activity, and customer interactions for management reporting and coaching purposes.
• Refer customers to specialist teams or other departments when mortgage products do not meet their needs or when additional advisory is required.

Operational & Compliance Duties

• Ensure all new home loan accounts comply with Know Your Customer (KYC) requirements and follow retail end-to-end lending procedures.
• Verify that applicants meet Absa Bank Limited’s lending criteria regarding creditworthiness, income, and collateral valuation before submission.
• Maintain strict adherence to operational risk standards, money laundering prevention, banking code of conduct, and health and safety regulations.
• Support internal audit processes by maintaining meticulous documentation and demonstrating operational rigour in all mortgage transactions.

Teamwork & Development

• Build effective working relationships with branch staff and support functions (service delivery, risk, operations) to develop referral networks and share mortgage sales leads.
• Share knowledge, best practices, and successful sales techniques with other home loan advisors to strengthen team capability.
• Provide honest feedback to colleagues on referred leads and customer outcomes to drive continuous improvement across the branch.
• Pursue agreed performance development objectives with your team leader and identify opportunities to enhance your effectiveness.

Requirements & Qualifications

• Bachelor’s Degree in any discipline.
• Completion of home loan product training certification or equivalent in-house qualification.
• In-depth knowledge of home loan products, lending policies, and the full mortgage application process from initial inquiry to drawdown.
• Working knowledge of relevant legislation including KYC compliance, money laundering regulations, banking code of conduct, and health and safety standards.
• Understanding of legal processes involved in property purchase, transfer, and mortgage registration in Kenya.
• Knowledge of competitor home loan products, pricing, and service offerings to position Absa offerings competitively.
• Strong familiarity with bank systems, internal procedures, risk and operational rigour requirements, and the tariff structure across Absa’s product range.
• High level of drive and determination to achieve sales targets in a competitive banking environment.

Desirable Training & Experience

• Previous experience in mortgage sales or retail banking advisory roles.
• Training in sales and marketing techniques, KYC and operational compliance, negotiation, and time management.
• PC literacy and proficiency with banking systems and customer relationship management software.

What to Expect

• This is a customer-facing role requiring regular interaction with prospective borrowers, so you may be required to visit clients’ homes or workplaces to assess loan suitability and gather documentation.
• You will support branch-wide sales campaigns and may provide cover for other home loan advisors or branches during peak periods or absences. The working environment can be demanding, particularly during month-end and quarter-end sales pushes.
• Awareness of Kenya’s economic trends, interest rate movements, and property market conditions will enhance your effectiveness in advising customers on loan timing and affordability.
• The Home Loan Specialist -Thika at Absa Bank Limited position in Kenya is open to qualified candidates on a rolling basis. Click Apply below to submit your application.