Field Sales Officer- Home Loan, Housing Finance Urban

6 days ago

Chennai Madurai, India Larsen & Toubro (L&T) Full time ₹ 6,00,000 - ₹ 12,00,000 per year

Business Executive

Department

HOUSING FINANCE

Designation

Business Executive

Reports to

Area Sales Manager

Education

Graduate and Postgraduate

Age criteria

21 to 32

Mandatory

Bike & DL

Additional Benefits

Incentive up to 1 lakh/month + PF + life Insurance Coverage +Group Personal Accident Cover.

State

Tamil Nadu & Kerala

Employment Type

Permanent

  1. JOB PURPOSE

Source Business from market through both DSA and Direct channel of CF to Retail, APF, Pre-Approved, and Internal channel

Duties and responsibilities

  • To source open market business too and achieve the targets assigned
  • To be completely aware of the products being offered by the company and understand competition offering and handle customer objections
  • Should have a Basic understanding of P&L account,Balance sheet for self employed
  • To ensure proper customer profiling on each call / customer visit, to identify and understand his/her needs and accordingly recommend investment and Insurance options
  • Relationship building with the Home Loan Executives to which he is mapped and to ensure joint calls with the HLE to ensure maximum attachments of the files being disbursed
  • To build a relationship with the customer so that he/ she is able to cross sell other product offerings based on the needs of the customer, thereby managing the entire account of the customer.
  • To be in sync and work together with the partner representatives.
  • Understanding the joint ownership of the customer at the time of servicing etc.
  • Evaluate credit worthiness by processing loan applications and documentation within specified limits.
  • Interview applicants to determine financial eligibility and feasibility of granting loans.
  • Communicate with clients either to request or to provide information Justify decisions (approvals/rejections) and report on them.
  • Complete loan contracts and counsel clients on policies and restrictions Update job knowledge on types of loans and other financial services.
  • Assess customer needs, explore all options and introduce different types of loans.
  • Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas.

  • Operate in compliance with laws and regulations and adhere to lending compliance guidelines.

  • Disbursements:

  • Collection of KYC documents

  • Loan documentation

Requirement and skills:

  1. Should have basic knowledge about Lending and Housing products
  2. Familiarity with computers and banking applications/software
  3. Solid understanding of direct/indirect lending products and practices
  4. Excellent communication and interpersonal skills
  5. Customer satisfaction orientation and sales competencies
  6. Ability to work in a goal oriented environment
  7. MBA degree in finance, Marketing or a related field
  8. Open to travel

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