Relationship Officer - LAP
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.