Relationship Officer - Micro Mortgages

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

• Candidate should be able to deliver targeted business figures from the location of the branch. He/She is also responsible for building a quality portfolio without compromising on quality levels.

• Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion
• Maintain database of the prospects, meet select prospects and manage the relationship thereafter
• Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans
• Should be ready to travel extensively across the catchment area of the location to build the base of business

Customer (Both Internal & External)

• Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective
• Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization
• Internal Process

• Carry out the pre and post-loan activities related to MLAP Loans, perform simple financial analysis, present the loan applications to the sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality

• Visit the customers business and home to do the assessment/evaluation, following the Product Policy procedures.
• Coordinate with the credit department in case of identifying discrepancies or problems in customers information, reports, etc. through Cluster Manager MLAP

Innovation & Learning

• Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch
• Inform Cluster Manager MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis
• Ensure adherence to training man-days/ mandatory training programs for self
• Should be updated with the latest trends in civic and local laws of the location of operation

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate in Commerce or relevant subjects

Experience(Years and Core Experience Type)

• 2 years in sales and documentation of loans of which at least 1 years in Housing Loans, home loans or loan against property in an NBFC/ Bank/HFC. Mixed experience of Sales & Credit is acceptable, but should be predominantly in sales

Certifications

• Relevant certifications shall be an added advantage

Functional Skills

• Knowledge of Secured loans/ Mortgage Loans
• Sales and marketing skills retail financial products
• Communication Skills - fluent in the local language & can read-write basic English
• Equipped enough to read and understand the legal papers

Behavioral Skills

• Sound Product knowledge
• Willingness to travel across the branches and catchment to expand the business
• Managing customer relations
• Performance oriented

Competencies

• Good Computer Knowledge

Location: Ambasamudram,Anupshahr,Aruppukkottai,Coimbatore,Cuddalore,Cumbum,Erode,Gobichettipalayam,Kumbakonam,Madurai,Mannargudi,Mayiladuthurai,Nagapattinam,Namakkal,Panruti,Paramathi-Velur,Pattukkottai,Periyakulam,Rajapalayam,Rasipuram,Salem,Sankarankoil,Sathyamangalam,Tenkasi,Thanjavur,Theni,Thiruvaiyaru,Tiruvannamalai,Thiruvarur,Tirunelveli,Tiruppur,Udumalaipettai,Vellore,Virudhachalam, Gangavathi,Gangavati,Vadalur