Sales Officer-Vehicle Loan

1 week ago

Cochin, Kerala, India MALANKARA MULTI STATE COOPERATIVE CREDIT SOCIETY LIMITED Full time ₹ 1,80,000 - ₹ 3,00,000 per year

· 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 Pte-disbursement and post disbursement documents.

· Background verification of customers and complete documentation process as instructed by A.O.

· Sourcing and emplacement of New BCs.

· Co-coordinating BCs and Registered office for invoice generation and pay out disbursements.

· Meet with applicants to obtain information for loan application and document collection accordingly.

· 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, Charges 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 hypothetical 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.

· Checking the loan applications received and reporting the discrepancies found and timely rectification of the same.

· 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

Pay: ₹18, ₹25,000.00 per month

Benefits:

  • Cell phone reimbursement
  • Health insurance
  • Provident Fund

Work Location: In person

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