About the role

Individual Relationship Officer – Mortgage

Job Summary:

The Individual Relationship Officer plays a crucial role in driving the growth of the mortgage business by actively sourcing new customers while maintaining high standards of portfolio quality. This position not only focuses on customer acquisition but also significantly contributes to revenue generation through loan insurance and efficient management of customer relationships.

Key Responsibilities:

Source new mortgage customers primarily through self-sourcing, ensuring a strong pipeline of prospects.
Achieve and monitor business KPIs including loan volumes, insurance sales, and delinquency rates.
Manage customer portfolios and respond to queries, ensuring timely resolution and maintaining customer satisfaction.
Coordinate closely with Risk and Legal teams to ensure proper documentation and compliance prior to loan disbursal.
Conduct market awareness activities to promote mortgage offerings and track competitor rates and proposals.
Maintain a high login-to-conversion ratio of at least 60% through quality customer documentation and processes.
Meet a minimum of three new customers each day to expand the client base and gather referrals.

Requirements:

1-5 years of relevant experience in the mortgage or financial services industry.
Graduate degree in any field with a strong understanding of mortgage products and processes.
Proficient in customer relationship management and ability to manage a diverse client portfolio.
Solid understanding of local market conditions and legal documentation related to mortgages.
Strong communication and interpersonal skills for effective customer interactions.
Ability to analyze situations and present cases effectively to ensure compliance and approvals.
Commitment to quality and adherence to regulatory requirements in all processes.

Preferred Qualifications:

Previous experience in a sales-oriented role within the mortgage sector.
Knowledge of competitor practices and the ability to track and report on market trends.
Demonstrated achievement orientation with a track record of meeting and exceeding targets.
Familiarity with customer database management and CRM tools.
Understanding of legal implications in mortgage transactions and the ability to navigate these efficiently.

Benefits:

Competitive salary with performance-linked bonuses.
Budget - 3 to 5 LPA depending on experience
Comprehensive health and wellness benefits.
Opportunities for professional development and career advancement.
Flexible work hours and a supportive work environment.
Access to cutting-edge tools and technologies to enhance productivity.
Employee recognition programs and awards.
Company-sponsored social events and community service initiatives.

IRO - Rural Mortgage