Sales Officer- Vehicle Loan

2 days ago

Ernakulam, India Malankara Multistate Cooperative Credit Society Ltd Full time

**PURPOSE**

A sales staff is supposed to source vehicle loan to society as per our rules and conditions of society and to support all promotional activities and other activities to promote vehicle loans department.

**DUTIES & RESPONSIBILITIES**
- 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 and achieve the targets assigned by society.
- 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, Regular / Permanent

**Salary**: ₹15,000.00 - ₹30,000.00 per month

**Benefits**:

- Health insurance
- Leave encashment
- Provident Fund

Schedule:

- Day shift

Ability to commute/relocate:

- Ernakulam, Kerala: Reliably commute or planning to relocate before starting work (required)

**Experience**:

- total work: 1 year (preferred)

**Speak with the employer**
+91 9072597488
- Health insurance

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