Relationship Officer-Micro Mortgages

Business/ Financials

Achieve the set targets on MLAP Loansin terms of open market acquisition and existing potential customer conversion

Maintain database of theprospects, 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 forMLAP Loans

Should be readyto travel extensively across the catchment area of the location to build thebase of business

Customer (Both Internal &External)

Interact with customers ina courteous and professional manner; provide prompt, efficient and accurateservices and establish professional relationship with them, with a long-termperspective

Guarantee confidentialtreatment of all the information gathered from customers and demonstrate thehighest order of integrity as per the code of conduct of the organization

Internal Process

Carryout the pre and post-loan activities related to MLAP Loans, perform simplefinancial analysis, present the loan applications to the sanctioning committeeby adhering to the set TAT & prioritize the repayment of loans to preservethe portfolio quality

Visitthe customers business and home to do the assessment/evaluation, following theProduct Policy procedures.

Coordinatewith the credit department in case of identifying discrepancies or problems incustomers information, reports, etc. through Cluster Manager MLAP

Innovation & Learning

Maintain up to dateknowledge of MLAP product as well as a working knowledge of other productsoffered in the branch

InformCluster Manager MLAP about the demand in his/her assigned branch catchment aswell as on the competition on a regular basis

Ensure adherence totraining man-days/ mandatory training programs for self