Sales Officer-vehicle Loan

4 days ago

Kochi Kerala, India MALANKARA MULTI STATE COOPERATIVE CREDIT SOCIETY LIMITED Full time

Support and assist all Operations & back office works of Vehicle loan department on daily basis.
- Sourcing of vehicle loans for society as per the policy from open market or through BCs
- Collection and maintenance of Pre-disbursement and post disbursement documents.
- Background verification of customers and complete documentation process as instructed by A.O.
- Sourcing and empanelment of New BCs.
- Co-ordinating BCs and Registered office for invoice generation and pay out disbursements.
- Analyse applicant financial status, creditworthiness and property evaluations to determine feasibility of granting loans
- Explain the customers about different products and options available as well as terms and conditions.
- Verification of loan agreements to ensure that they are complete and accurate according to policy.
- Computation of loan amount, EMI, Chrarges and Net disbursement amount.
- Handle customer complaints and take appropriate action to resolve them
- Co-ordinate with credit and operations team and ensure approvals and policy compliance and timely disbursements of loans.
- Ensure name transfer and hypothecation endorsement in RC and Insurance.
- Identify and Empanel RTO agents in your respective locations
- Market the products of society.
- Collection follow up and ensure prompt collection.
- Attending office activities and coordinate activities from Registered office and Branches/BCs
- Preparation of Office Note for Sanction.
- Maintaining and reporting MIS on daily basis, weekly and monthly basis - reference received, logins, rejections, hold, approved, disbursed and other pipeline cases.
- Ensuring timely registration of membership for the new customers.
- Inspecting the loan documents before forwarding for approval.
- Initiating Field Investigation and Vehicle Inspection
- Keep reporting your all activities including On-duty and non-punching movements.
- Responsible to hand over all loan documents to the registered office/branch without any loss or damage.
- BC registration process completion and code creation, Pay out calculation and initiation, approval confirmation from officer concerned.
- NACH registration process and re-initiation of rejected cases until gets registered.

**Job Types**: Full-time, Permanent, Fresher

Pay: ₹18,000.00 - ₹25,000.00 per month

**Benefits**:

- Health insurance
- Provident Fund

Schedule:

- Day shift

Supplemental Pay:

- Performance bonus
- Yearly bonus

Work Location: In person

Application Deadline: 10/05/2025
Expected Start Date: 10/05/2025

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