Relationship Officer
1d ago

Knowledge of the following products / customer segments in the Rural market : Salaried, Self-employed Professionals, Small & Medium Enterprises & Micro Enterprises

Expertise in Mortgage Loans (Home Loan, LAP, Business Loan etc) portfolio is required

Adherence to the credit policies & processes for the respective product & ensuring they are implemented correctly.

Conducting PD at customers place.

Deliver quick Turnaround Time (TAT) to provide decision on the loan applications as per the company policy.

Assist Sales / Operations team in disbursement of loan and legal documentation.

Ensuring delinquency metrics & bounce rates are under control.

Provide feedback to Regional & Head Office on credit processes / policies / branch updates

Regularly provide feedback to the Head Office on the changes in the market trends.

Vendor empanelment and management (Valuers & Lawyers).

Providing support, education and training to staff to build risk awareness & ensure that the sales team source right type of customers.

Visit customers in case of stress, conduct verifications as per authorisation matrix.

Maintain Portfolio quality Managing & supporting Collections of the acquired portfolio.

Required Qualifications

Graduate / Post graduate / MBA, with minimum 3-5 years of experience.

At least 2 years of work experience in the Banks / NBFCs

At least 1 year of experience in underwriting of loans, preferably in Mortgages.

Knowledge of local markets.

Knowledge of English & local language.

Good proficiency in MS Excel / MS Word etc.

Good communication skills

Strong bias for action & driving results in a high performance environment.

Demonstrated ability to lead from the front.

Strong analytical skills to drive channel performance and drive profitability.

Should own a two wheeler with proper documentation.

Should have Aadhar Card and PAN Card

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