JD- Business Executive

- department

HOUSING FINANCE

Designation

Business Executive

Reports to

Area Sales Manager

Education

Graduate and Postgraduate

Age criteria

21 to 30

Mandatory

Bike & DL

Salary

2.50 lacs to 3.20 lacs

Extra benefits

Incentive up to 1 lakh/month + PF + life Insurance Coverage +Group Personal Accident Cover.

State

Tamil Nadu

Employment Type

Permanent

1. JOB PURPOSE

Source Business from market through both DSA and Direct channel of CF to Retail, APF, Pre-Approved, and Internal channel

Duties and responsibilities

- To source open market business too and achieve the targets assigned
- To be completely aware of the products being offered by the company and understand competition offering and handle customer objections
- Should have a Basic understanding of P&L; account,Balance sheet for self employed
- To ensure proper customer profiling on each call / customer visit, to identify and understand his/her needs and accordingly recommend investment and Insurance options
- Relationship building with the Home Loan Executives to which he is mapped and to ensure joint calls with the HLE to ensure maximum attachments of the files being disbursed
- To build a relationship with the customer so that he/ she is able to cross sell other product offerings based on the needs of the customer, thereby managing the entire account of the customer.
- To be in sync and work together with the partner representatives.




- Understanding the joint ownership of the customer at the time of servicing etc.
- Evaluate credit worthiness by processing loan applications and documentation within specified limits.
- Interview applicants to determine financial eligibility and feasibility of granting loans.
- Communicate with clients either to request or to provide information Justify decisions (approvals/rejections) and report on them.
- Complete loan contracts and counsel clients on policies and restrictions Update job knowledge on types of loans and other financial services.
- Assess customer needs, explore all options and introduce different types of loans.
- Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas.
- Operate in compliance with laws and regulations and adhere to lending compliance guidelines.
- Disbursements:

1. Collection of KYC documents
2. Loan documentation

Requirement and skills:

1. Should have basic knowledge about Lending and Housing products
2. Familiarity with computers and banking applications/software
3. Solid understanding of direct/indirect lending products and practices
4. Excellent communication and interpersonal skills
5. Customer satisfaction orientation and sales competencies
6. Ability to work in a goal oriented environment
7. MBA degree in finance, Marketing or a related field
8. Open to travel

📌 Business Executive- Housing Loan (Field Sales) (Madurai)
🏢 Larsen and Toubro (L&T)
📍 Madurai