Relationship Officer-Micro Mortgages

1.

2. Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion

3. Maintain database of the prospects, meet select prospects and manage the relationship thereafter

4. Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans

5. Should be ready to travel extensively across the catchment area of the location to build the base of business

6.

7. 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

8. 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

10. 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

11. Visit the customers business and home to do the assessment/evaluation, following the “Product Policy” procedures.

12. Coordinate with the credit department in case of identifying discrepancies or problems in customer’s information, reports, etc. through Cluster Manager – MLAP

Innovation & Learning

14. Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch

15. Inform Cluster Manager – MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis

16. Ensure adherence to training man-days/ mandatory training programs for self

17.

I.

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