Job Summary:**
As a Relationship Manager - LAP in Suryapet, you will be responsible for managing and growing a portfolio of Loan Against Property (LAP) clients. This involves building strong relationships, identifying their financial needs, and providing tailored LAP solutions to achieve business targets.
Job Responsibilities:**
- Proactively identify and acquire new clients for Loan Against Property (LAP) in the Suryapet region.
- Manage and nurture an existing portfolio of LAP clients, ensuring high levels of customer satisfaction and retention.
- Conduct thorough financial analysis and due diligence for LAP applications, adhering to company policies and regulatory guidelines.
- Understand client financial needs and cross-sell other banking products and services where appropriate.
- Achieve individual and team sales targets for LAP products.
- Prepare and present loan proposals to credit committees, justifying the viability of each application.
- Monitor market trends and competitor activities to identify new business opportunities and threats.
- Ensure compliance with all internal policies, procedures, and external regulatory requirements.
- Provide excellent customer service and resolve client queries and concerns effectively and efficiently.
- Maintain accurate records of client interactions and loan applications.
Job Qualifications:**
- Bachelor's degree in Finance, Business Administration, or a related field.
- Proven experience (2-5 years) in sales or relationship management within the banking or financial services industry, specifically with Loan Against Property (LAP) products.
- Strong understanding of LAP products, credit appraisal, and risk management principles.
- Excellent communication, negotiation, and interpersonal skills.
- Demonstrated ability to build and maintain strong client relationships.
- Results-oriented with a proven track record of achieving sales targets.
- Proficiency in local language (Telugu) is highly preferred.
- Knowledge of the Suryapet market and local business landscape is an advantage.
- Ability to work independently and as part of a team.
