I. Job Description
- Sourcing business through the rural/semi urban locations across different states of the country.
- Creating a high quality portfolio
- Sourcing of Files through Channels/DSA for Mortgage Loan
- Ensuring on-time collections
Key Responsibilities
Managerial Responsibilities
- Identifying potential customers in the branch business zone and sourcing them under the assigned product
- Managing the relationship with customers to generate business leads to achieve the business target numbers on monthly basis with good customer quality
- Ensure timely repayment from the customers sourced
- Maintaining cordial relationship with colleagues and peers with team spirit in every action
- Execution of task with complete integrity and transparency
Functional
Responsibilities
- Achieving the given target within time limits with the support of BM/CM/Ops
- Attending the leads, explaining about the products, procedure and benefits Addressing all queries of customers
- Initial scrutiny of business of the customers, ability to repay the loan, character and integrity of the customers
- Collection of documents from customers, arranging meeting with higher officials, inspection of the property being offered as collateral and facilitating valuation of the property
- Facilitating legal reports with empanelled advocates and customers
- Co-ordination between customers and branch officials for sanction and documentation
- Ensuring creation of mortgage wherever applicable on a timely basis and with proper verification and papers to be in order with respect to the legal opinion given by the empanelled advocate
- Monitoring the portfolio regularly in order to contain any delinquency symptoms in the initial stage by meeting such clients with proactive measures
- Sincere and dedicated effort to collect/ recover overdue amount from the respective clients on regular basis
- Taking any additional responsibility as and when it is required with focus on deliverables