Relationship Officer

JD for Relationship Officer

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Job Title: Relationship Officer

Department: Secured

Direct Reports To: Sales Manager

Employment Type: FTC

Job Summary:

We are seeking a motivated and results-driven Relationship Officer to join our Secured Direct lending team. The primary responsibility of this role is to source and process loan applications through self-sourcing and a network of connectors. The candidate will be the face of the organization, building strong client relationships while ensuring adherence to compliance and credit guidelines.

Key Responsibilities:

Loan Sourcing:

• Proactively generate leads through self-sourcing (cold calling, field visits, referrals, digital platforms, etc.).
• Build and manage a reliable network of connectors such as property dealers, chartered accountants, and other channel partners to source loan applications.
• Conduct regular follow-ups with leads to maximize conversion.

Client Relationship Management:

• Engage with prospective borrowers to understand their financial needs and provide suitable loan products.
• Maintain relationships with existing customers to encourage referrals and repeat business.

Application Processing:

• Collect, verify, and ensure timely submission of all necessary documentation required for loan processing.
• Coordinate with internal credit and operations teams to ensure smooth processing and disbursal of loans.

Compliance and Reporting:

• Ensure all applications comply with regulatory and organizational credit guidelines.
• Maintain accurate records of lead sourcing, customer interactions, and loan application statuses.
• Prepare and submit daily/weekly/monthly reports to management.

Qualifications and Skills:

• XII cleared.
• 1-2 years of experience in Direct sourcing of Affordable Mortgage loans (LAP and HL).
• Understanding of Legal and Technical aspects of mortgage loans.
• Good understanding of local economy.
• Good communication, interpersonal, and negotiation skills.
• Proven ability to achieve sales targets and build strong partner networks.
• Self-motivated with a result-oriented approach.

Key Performance Indicators (KPIs):

1. Number of loans sourced (monthly/quarterly targets).
2. Conversion rate from lead to disbursal.
3. Value of loans disbursed.
4. Quality and productivity of sourced leads (NPA % and rejection rate).
5. Expansion and effectiveness of connector network.

Compensation:

• Fixed salary + performance-based incentives.
• Allowances as per company policy.