Relationship Officer - Micro Mortgages

Ujjivan Small Finance Bank; Thanjavur, Cuddalore, Erode; On-site; INR 350,000 - 600,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking a field- oriented MLAP Loans officer to drive branch loan business in Tamil Nadu. You will meet targets, build a quality portfolio, and manage prospects with a long-term relationship focus.

You will travel across the catchment area to expand the base, interact with customers, and handle pre/post-loan activities while coordinating with credit for timely approvals.

Qualifications

• Graduate in Commerce or relevant subjects.
• 2 years in sales and documentation of loans, with at least 1 year in Housing Loans/Home Loans.
• Relevant certifications shall be an added advantage.

Responsibilities

• Deliver targeted business figures from the branch location and build a quality portfolio.
• Achieve targets on MLAP Loans in open market acquisition and existing customer conversions.
• Maintain database of prospects, meet select prospects, and manage relationships thereafter.
• Travel extensively across the catchment area to build the business base.
• Carry out pre and post-loan activities for MLAP Loans and present applications to the sanctioning committee.

Skills

Secured loans knowledge

Mortgage loans knowledge

Retail financial product sales

Communication skills

Local language fluency

Reading legal documents

Travel willingness

Education

Commerce graduate

Tools

Computer basics

Job description

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/Financials

• Candidateshould be able to deliver targeted business figures from thelocation of the branch. He/She is also responsible for building aquality portfolio without compromising on quality levels.

• Achievethe set targets on MLAP Loans in terms of open market acquisitionand existing potential customer conversion
• Maintaindatabase of the prospects, meet select prospects and manage therelationship thereafter
• AttendX (to be defined) number of prospects in a day/week/month togenerate leads and references for MLAP Loans
• Shouldbe ready to travel extensively across the catchment area of thelocation to build the base of business

Customer(Both Internal & External)

• Interactwith customers in a courteous and professional manner; provideprompt, efficient and accurate services and establishprofessional relationship with them, with a long-term perspective
• Guaranteeconfidential treatment of all the information gathered fromcustomers and demonstrate the highest order of integrity as perthe code of conduct of the organization

InternalProcess

• Carryout the pre and post-loan activities related to MLAP Loans,perform simple financial analysis, present the loan applicationsto the sanctioning committee by adhering to the set TAT &prioritize the repayment of loans to preserve the portfolioquality

• Visitthe customer??s business and home to do theassessment/evaluation, following the ??Product Policy?procedures.
• Coordinatewith the credit department in case of identifying discrepanciesor problems in customer??s information, reports, etc.through Cluster Manager ?? MLAP

Innovation& Learning

• Maintainup to date knowledge of MLAP product as well as a workingknowledge of other products offered in the branch
• InformCluster Manager ?? MLAP about the demand in his/her assignedbranch catchment as well as on the competition on a regular basis
• Ensureadherence to training man-days/ mandatory training programs forself
• Shouldbe updated with the latest trends in civic and local laws of thelocation of operation

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduatein Commerce or relevant subjects

Experience (Yearsand Core Experience Type)

• 2years in sales and documentation of loans of which at least 1years in Housing Loans, home loans or loan against property in anNBFC/ Bank/HFC. Mixed experience of Sales & Credit isacceptable, but should be predominantly in sales

Certifications

• Relevantcertifications shall be an added advantage

Functional Skills

• Knowledgeof Secured loans/ Mortgage Loans
• Salesand marketing skills ?? retail financial products
• CommunicationSkills - fluent in the local language & can read-write basicEnglish
• Equippedenough to read and understand the legal papers

Behavioral Skills

• SoundProduct knowledge
• Willingnessto travel across the branches and catchment to expand thebusiness
• Managingcustomer relations
• Performanceoriented

Competencies

• GoodComputer Knowledge

Location -

Erode,Cuddalore,Thiruvaiyaru,Thanjavur,Kumbakonam,Mannargudi,Thiruvarur,Mayiladuthurai,Aruppukkottai,Vellore,Nagapattinam,Pattukkottai,Kallakkurichi,Tiruppur,Periyakulam,Theni,Rajapalayam,Panruti,Sathyamangalam,Rasipuram,Namakkal,Tirunelveli,Bodinayakanur,Nagercoil,Attur,Salem,Sankarankoil,Paramathi-Velur,Paramathi,Madurai,Palacode,Dharapuram,Dindigul,Krishnagiri,Coimbatore,Sivakasi,Gobichettipalayam,Ambasamudram,Tiruvannamalai,Kanchipuram,Dharmapuri,Ambur,Tirupathur,Kovilpatti,Thoothukudi,Arcot,Cumbum,Puducherry,Hosur,Virudhachalam,Gingee,Viluppuram,Udumalaipettai

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