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, productive 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

1. 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

📌 Relationship Officer - Micro Mortgages (Thiruvaiyaru)
🏢 Ujjivan Small Finance Bank
📍 Thiruvaiyaru