Mortgage Individual Relationship Officer (Karaikudi)

SMFG INDIA CREDIT; Chennai District; On-site; INR 500,000 - 900,000; Full time

Job summary

SMFG INDIA CREDIT is seeking an Individual Relationship Officer Mortgage for Rural/Sales. You will source mortgage clients in the branch catchment, manage DSAs, and coordinate with Risk and Ops to ensure timely disbursement and quality portfolio.

The role emphasizes high-ticket loans (10–25 Lakhs) with strong local market knowledge and bike ownership. Candidates should have 3–5 years of mortgage experience, a minimum graduation, and are expected to drive business in rural areas with customer

Qualifications

• 3–5 years of mortgage loan experience (high ticket size).
• Minimum graduation required; 12th pass considered with relevant work experience.
• Own a bike.

Responsibilities

• Sourcing mortgage customers in branch catchment area.
• Cold calling, lead generation, documentation (KYC).
• Market penetration through direct/indirect marketing.
• Empanel DSAs and manage relationship within policy.
• Coordinate with Risk for PD, and with ops for timely disbursement.
• Ensure timely collections and portfolio quality post-disbursement.

Skills

Mortgage lending

Relationship management

Local market knowledge

Networking

DSA coordination

Self-motivated

Education

Bachelor's degree

12th pass with experience considered

Job description

Individual Relationship Officer Mortgage

Rural/ Sales

Job Title

Function / Department

Department Head

Reporting Manager

Rural Business Head

Cluster Mortgage Manager or Area Mortgage Manager

Purpose of the Job:

Contribute to the growth of mortgage business by targeting with higher ticket size loan (10 to 25 Lakhs) with maintaining quality portfolio

Describe the KPIs against each perspective

• Perspective
• Key Performance Indicators
• Business and Financial Management
• Achievement in Volume against the target on monthly basis
• Ensuring healthy portfolio quality by ensuring timely repayment, collections.
• Ensuring delinquency within the threshold level
• Insurance Attachment as per policy
• Focus on Enterprises/Small Businesses (Non Salaried, Non Direct Agri)
• Customer Focus
• Customer engagement for document completion
• Attending customer queries & resolution in TAT
• Actively co-ordinate with the Risk, Ops, Legal and Valuers for the closure within time frame.
• People / Team
• Co-ordinate with the concerned teams to ensure closure on disbursal.
• Adherence to Company process on sourcing, disbursement, collection
• Process / Quality Improvement

Tasks Performed

• Responsible for sourcing target customers (Mortgage) in the branch catchment area.
• Cold calling, generation of leads, attending to prospects and logging in the file with necessary documents like KYC etc
• Market penetration through direct/indirect marketing activities
• Empanelling DSAs, generating business through DSA network with relationship management as per Sourcing Policy of the company released time to time.
• Disbursement:
• Coordinating with Risk Team for PD, facilitating additional documents/information if any.
• Ability to present and discuss the case with sanction authority
• Necessary inputs to the appraisal as and when required
• Documentation, coordinating with customers for mortgage and Ops for timely disbursement activities
• Ensuring post disbursement compliance as per stipulated time.
• Collection:
• Ensuring timely repayment from the customers
• Ensuring portfolio quality by following up with delinquent customers
• Expertise required/ Domain Knowledge:
• Excellent local network and local market knowledge
• Excellent ability to speak, read and write in local language
• Self driven with go and getter attitude
• Good understanding of enterprises-business cycle, working capital etc
• Valuable interpersonal skills
• DSA handling experience is an advantage
• Individual should own a bike.
• No. of years of relevant experience:
• Candidate should have 3-5 years of experience in Mortgage loans (high ticket size).
• Any specific specialization/education:
• Minimum Graduation is required. However, 12th pass candidate can be considered provided he/she possesses adequate and relevant work experience .