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:
Collection of KYC documents
Loan documentation

Requirement and skills:
Should have basic knowledge about Lending and Housing products
Familiarity with computers and banking applications/software
Solid understanding of direct/indirect lending products and practices
Excellent communication and interpersonal skills
Customer satisfaction orientation and sales competencies
Ability to work in a goal oriented workplace
MBA degree in finance, Marketing or a related field
Open to travel

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