Job Summary**
The Relationship Officer - LAP is responsible for building and maintaining strong relationships with clients, facilitating the loan against property (LAP) process, and ensuring customer satisfaction and business growth.
Job Responsibilities**
- Identify, acquire, and onboard new customers for Loan Against Property (LAP) products.
- Deepen relationships with existing customers by understanding their financial needs and offering suitable LAP solutions.
- Explain LAP product features, benefits, and terms clearly and transparently to potential borrowers.
- Assist clients throughout the loan application process, including documentation collection, form submission, and follow-up.
- Conduct initial credit assessment and due diligence for LAP applications.
- Liaise with internal credit and operations teams to ensure smooth and timely loan processing.
- Achieve assigned sales targets and contribute to the overall growth of the LAP portfolio.
- Monitor market trends and competitor activities to identify new business opportunities.
- Maintain accurate and up-to-date customer records and sales reports.
- Resolve customer queries and complaints efficiently and professionally.
- Ensure compliance with all regulatory guidelines and company policies.
Job Qualifications**
- Bachelor's degree in Business Administration, Finance, Marketing, or a related field.
- Proven experience (typically 2-5 years) in sales or relationship management, preferably within the banking or financial services industry, with a focus on secured lending products like LAP.
- Strong understanding of Loan Against Property products, processes, and relevant market dynamics.
- Excellent communication, negotiation, and interpersonal skills.
- Demonstrated ability to build rapport and trust with clients.
- Results-oriented with a strong track record of achieving sales targets.
- Proficiency in using CRM software and Microsoft Office Suite.
- Ability to work independently and as part of a team.
- Knowledge of local market and regulatory requirements for secured lending is preferred.
