Gold Loan Officer
16 hours ago
WE ARE HIRING FOR A SCHEDULED COMMERCIAL BANK - ESAF SMALL FINANCE BANK
Key responsibilities:
- Loan processing and disbursement:
- Evaluate loan applications and documentation for accuracy and completeness.
- Assess the purity, weight, and market value of gold items to determine loan amounts.
- Perform credit appraisals and disburse loans according to policy.
- Ensure smooth execution of all processes, including data entry, closure, and renewal of accounts.
- Customer service:
- Provide prompt and high-quality customer service, handling queries both pre- and post-disbursement.
- Explain loan terms and conditions to clients.
- Build customer relationships and satisfaction.
- Sales and marketing:
- Promote and sell gold loan products to new and existing customers.
- Generate leads from open markets and referrals.
- Cross-sell other bank products like savings accounts, mutual funds, or fixed deposits.
- Compliance and operations:
- Ensure all operations are compliant with internal policies and external regulations.
- Maintain accurate records of all transactions and manage file management.
- Securely store pledged gold and manage the keys to storage facilities.
- Liaise with internal departments and respond to audit findings to ensure zero discrepancies.
Required skills and qualifications :
- Education:
Any Graduate Degree - Experience:
Minimum 2 years of experience in a banking or non-banking financial company (NBFC), especially in gold loans, is highly preferred. Experience in a sales role is often required for sales-focused positions.
If you are Interested please drop your updated CV through WhatsApp to Ms. Chanchal
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