Role & responsibilities

Home Loan Executive Roles & Responsibilities

Industry: Real Estate Company

(JD)

Position: Home Loan Executive

Department: Sales / CRM / Finance

Industry: Real Estate & Construction

1. Job Purpose

To manage and coordinate the complete home loan process for customers purchasing residential properties, ensuring smooth loan approvals, documentation, bank coordination, and timely disbursement.
1. Roles & Responsibilities

A. Home Loan Processing & Coordination
- Assist customers with home loan applications for property purchases.
- Coordinate with banks, financial institutions, and NBFCs.
- Understand customer loan requirements and suggest suitable banking options.
- Collect and verify customer KYC and financial documents.
- Follow up with banks for loan application processing and approval.
- Ensure timely loan sanction and disbursement.

B. Bank & Financial Institution Coordination
- Develop and maintain relationships with bank loan officers and banking representatives.
- Coordinate with multiple banks for competitive loan offers and interest rates.
- Negotiate and resolve loan-related queries with banking partners.
- Arrange property valuation and legal/technical verification with banks.
- Maintain regular communication with bank representatives.

C. Customer Relationship Management
- Guide customers regarding home loan eligibility and documentation.
- Explain loan procedures, interest rates, EMI, tenure, and other charges.
- Provide regular updates to customers regarding loan status.
- Resolve customer queries and loan-related issues.
- Ensure a smooth and positive customer experience.

D. Documentation & Legal Coordination
- Collect and maintain customer documents, including:
- PAN Card and Aadhaar Card
- Salary Slips and Bank Statements

- Income Tax Returns (ITR)
- Form 16 / Salary Certificate
- Business and Income Proof (for self-employed customers)




- Property Documents and Agreement Copies
- Coordinate with the Legal Department for property-related documents.
- Ensure all loan files are complete and submitted on time.
- Maintain proper records of sanctioned and disbursed loans.

E. Loan Disbursement & Payment Follow-up
- Coordinate with banks for loan disbursement.
- Follow up on pending loan approvals and disbursements.
- Coordinate with the Accounts Department regarding customer payments.
- Track loan disbursement against property payment schedules.
- Ensure timely payment coordination between banks and the company.

F. MIS & Reporting
- Maintain daily home loan application records.
- Prepare reports on applied, approved, rejected, and disbursed loans.
- Track pending documentation and bank-wise loan status.
- Submit daily, weekly, and monthly reports to management.
- Maintain a database of customers, banks, and loan transactions.

1. Required Skills & Competencies

- Good knowledge of home loan processes and banking procedures.
- Strong communication and negotiation skills.
- Good customer handling and relationship management.
- Knowledge of banking documentation and loan eligibility.
- Proficiency in MS Excel, Word, and email communication.
- Strong follow-up and coordination skills.
- Ability to handle multiple customer loan files independently.
- Problem-solving and decision-making abilities.

1. Educational Qualification & Experience

- Graduate in Commerce, Finance, Banking, or Business Administration.




- 2–5 years of experience in home loan processing, banking, NBFC, or real estate.
- Experience dealing with major banks and financial institutions will be preferred.
- Knowledge of the Ahmedabad real estate and banking market will be an added advantage.

1. Preferred Candidate Profile

- Candidate should be capable of independently handling the complete home loan department.
- Should have strong connections with banks, NBFCs, and financial institutions.
- Should be capable of getting maximum customer loan files approved.
- Must have excellent customer service and follow-up capabilities.
- Should take ownership of the entire home loan process, from application to final disbursement.

1. Key Performance Indicators (KPIs)

Performance Area

Measurement

Loan Approvals

Number of loans sanctioned

Loan Disbursement

Total loan amount disbursed

Processing Time

Timely processing of applications

Customer Satisfaction

Customer feedback and service quality

Bank Coordination

Effective bank relationships

Pending Cases

Reduction in pending loan files

Documentation

Accuracy and completeness of files
1. Main Objective

To independently manage the complete Home Loan Department of the real estate company, build robust relationships with banks and financial institutions, maximize customer loan approvals, and ensure timely loan disbursement for smooth property transactions. My recommendation: If you are hiring someone to manage the entire home loan department, you should consider the designation Home Loan Manager / Home Loan Department Head rather than Home Loan Executive. This will attract candidates who can independently manage the team, banking relationships, customer files, approvals, and disbursement processes.

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Preferred candidate profile

Perks and benefits

📌 Home Loan Executive (Ahmedabad)
🏢 Dharmadev Infrastructure
📍 Ahmedabad