01Overview
Individual Relationship Officer Mortgage\n\nRural/ Sales\n\nJob Title\n\nFunction / Department\n\nDepartment Head\n\nReporting Manager\n\nRural Business Head\n\nCluster Mortgage Manager or Area Mortgage Manager \n\nPurpose of the Job:\n\nContribute to the growth of mortgage business by targeting with higher ticket size loan (10 to 25 Lakhs) with maintaining quality portfolio \n\nDescribe the KPIs against each perspective\n\nPerspective\n\nKey Performance Indicators\n\nBusiness and Financial Management\n\nAchievement in Volume against the target on monthly basis \n\nEnsuring healthy portfolio quality by ensuring timely repayment,\n\ncollections.\n\nEnsuring delinquency within the threshold level\n\nInsurance Attachment as per policy\n\nFocus on Enterprises/Small Businesses (Non Salaried, Non Direct\n\nAgri)\n\nCustomer Focus\n\nCustomer engagement for document completion \n\nAttending customer queries \u0026 resolution in TAT\n\nActively co-ordinate with the Risk, Ops, Legal and Valuers for the closure within time frame.\n\nPeople / Team\n\nCo-ordinate with the concerned teams to ensure closure on disbursal. \n\nAdherence to Company process on sourcing, disbursement,\n\ncollection\n\nProcess / Quality Improvement\n\nTasks Performed\n\nSourcing Customers:\n\n \n\n\n\nResponsible for sourcing target customers (Mortgage) in the branch catchment area.\n\nCold calling, generation of leads, attending to prospects and logging in the file with necessary documents like KYC etc\n\nMarket penetration through direct/indirect marketing activities\n\nEmpanelling DSAs, generating business through DSA network with relationship management as per Sourcing Policy of the company released time to time.\n\nDisbursement:\n\nCoordinating with Risk Team for PD, facilitating additional documents/information if any. \n\nAbility to present and discuss the case with sanction authority\n\nNecessary inputs to the appraisal as and when required\n\nDocumentation, coordinating with customers for mortgage and Ops for timely disbursement activities\n\nEnsuring post disbursement compliance as per stipulated time.\n\nCollection:\n\nEnsuring timely repayment from the customers \n\nEnsuring portfolio quality by following up with delinquent customers\n\nExpertise required/ Domain Knowledge:\n\nExcellent local network and local market knowledge \n\nExcellent ability to speak, read and write in local language\n\nSelf driven with go and getter attitude\n\nGood understanding of enterprises-business cycle, working capital etc\n\nValuable interpersonal skills\n\nDSA handling experience is an advantage \n\nIndividual should own a bike.\n\nNo. of years of relevant experience:\n\nCandidate should have 3-5 years of experience in Mortgage loans (high ticket size).\n\nAny specific specialization/education:\n\nMinimum Graduation is required. However, 12th pass candidate can be considered provided he/she possesses adequate and relevant work experience . .
