Relationship Officer - LAP

Job Title: Relationship Officer Department: Secured- Direct Reports To: Sales Manager Job Summary: We are seeking a motivated and results-driven Relationship Officer to join our Secured Direct lending team. The primary responsibility of this role is to source and process loan applications through self-sourcing and a network of connectors The candidate will be the face of the organization, building strong client relationships while ensuring adherence to compliance and credit guidelines. Key Responsibilities: Loan Sourcing: Proactively generate leads through self-sourcing (cold calling, field visits, referrals, digital platforms, etc.). Build and manage a reliable network of connectors such as property dealers, chartered accountants, and other channel partners to source loan applications. Conduct regular follow-ups with leads to maximize conversion. Client Relationship Management: Engage with prospective borrowers to understand their financial needs and provide suitable loan products. Maintain relationships with existing customers to encourage referrals and repeat business. Application Processing: Collect, verify, and ensure timely submission of all necessary documentation required for loan processing. Coordinate with internal credit and operations teams to ensure smooth processing and disbursal of loans. Compliance and Reporting: Ensure all applications comply with regulatory and organizational credit guidelines. Maintain accurate records of lead sourcing, customer interactions, and loan application statuses. Prepare and submit daily/weekly/monthly reports to management. Qualifications and Skills: XII cleared. 1-2 years of experience in Direct sourcing of Affordable Mortgage loans ( LAP and HL) Understanding of Legal and Technical aspects of mortgage loans Good understanding of local economy. Good communication, interpersonal, and negotiation skills. Proven ability to achieve sales targets and build strong partner networks. Self-motivated with a result-oriented approach. Key Performance Indicators (KPIs): Number of loans sourced (monthly/quarterly targets). Conversion rate from lead to disbursal. Value of loans disbursed. Quality and productivity of sourced leads (NPA % and rejection rate). Expansion and effectiveness of connector network. Compensation: Fixed salary + performance-based incentives Allowances as per company policy