Home Loan Executive

Job Title: Home Loan Executive

Department: Retail Banking / Home Loan Division

Reports To: Branch Manager / Home Loan Manager

Key Responsibilities:

1.Lead Generation & Client Acquisition:

-Identify potential customers for home loan products through field visits, cold calling, and references.

-Establish and maintain relationships with builders, property agents, and real estate developers to generate leads.

2.Customer Consultation:

-Understand customer needs and provide suitable home loan solutions.

-Explain loan products, interest rates, repayment terms, and processing fees.

3.Application Process Management:

-Assist customers with the loan application process.

-Ensure proper documentation is collected and submitted as per bank guidelines.

4.Credit Analysis & Eligibility Check:

-Perform preliminary assessment of customer eligibility.

-Coordinate with internal credit and risk teams for approval.

5.Coordination & Follow-up:

-Liaise with internal departments like credit, legal, technical, and operations to ensure timely processing of files.

-Follow up with customers for any pending documents or clarifications.

6.Target Achievement:

-Meet or exceed monthly disbursement and revenue targets.

-Maintain a strong sales pipeline and conversion ratio.

7.Customer Service:

-Ensure high-quality customer experience throughout the loan process.

-Resolve customer queries and issues promptly.

8.Market Intelligence:

-Keep track of competitor products, interest rates, and market trends.

-Share insights with the team to improve offerings and strategies.

9.Compliance & Documentation:

-Ensure all activities are carried out in adherence to bank policies and regulatory guidelines.

-Maintain proper records of applications and communication.

Qualifications & Skills:

• Graduate or Postgraduate in any discipline (preferably Finance/Marketing).
• 1-3 years of experience in home loan sales (preferred).
• Strong communication and negotiation skills.
• Knowledge of home loan products and market.
• Target-driven and self-motivated.
• Basic computer and MS Office proficiency.