RL - Rural Lending:Gold Loan Officer

About Retail Lending:

The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the rural lending business of the bank

About the Role:

The Gold loan officer services the gold loan customers who require short term, low interest loans by ensuring valuation of the gold by the empanelled valuer and the disbursement of the loan as per the laid down policy. The Gold Loan Officer coordinates with the vendor, sales team and the customers to ensure smooth execution of all processes

Key Responsibilities

• Conduct credit appraisal of loans, sanctioning as per DOP and ensure disbursal of loan within stipulated TAT
• Provide assistance in Gold valuation and execution of documents/registers
• Responsible for Data entry, Closure/Renewal & Account opening in system and for maintaining control returns
• Responsible for the Safe keeping of Gold, Custodian of Storage Keys & File management
• Render support to the Collection team for Auction
• Co-ordinate with OCL team & ensure all files are received and stored
• Assist the IAD/FCU Audit team
• Ensure Zero discrepancy during Internal audit & concurrent audit, review faults & improvise process to ensure these are not repeated.
• Monitor the Gold loan process and create related MIS
• Co-ordinate with Branch Heads / AOM / GLO’s to clear appraiser fees and for calibration of the weighing machine

Qualifications:

Optimal qualification for success on the job is:

• Graduation/ Post-Graduation from a recognized institute

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

• Good communication (both verbal and written) skill in both English and the local language
• Excellent lead generation and conversion skill
• Ability to handle pressure and meet deadlines
• High sales orientation to meet the sales targets consistently
• Ability to manage complex client situations
• Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment

#ComeAsYouAre "We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply"