Job description
Job Summary:** As a Relationship Manager
- LAP in Suryapet, you will be responsible for managing and growing a portfolio of Loan Against Property (LAP) clients. This involves building strong relationships, identifying their financial needs, and providing tailored LAP solutions to achieve business targets. Job Responsibilities:** * Proactively identify and acquire new clients for Loan Against Property (LAP) in the Suryapet region. * Manage and nurture an existing portfolio of LAP clients, ensuring high levels of customer satisfaction and retention. * Conduct thorough financial analysis and due diligence for LAP applications, adhering to company policies and regulatory guidelines. * Understand client financial needs and cross-sell other banking products and services where appropriate. * Achieve individual and team sales targets for LAP products. * Prepare and present loan proposals to credit committees, justifying the viability of each application. * Monitor market trends and competitor activities to identify new business opportunities and threats. * Ensure compliance with all internal policies, procedures, and external regulatory requirements. * Provide excellent customer service and resolve client queries and concerns effectively and efficiently. * Maintain accurate records of client interactions and loan applications. Job Qualifications:** * Bachelor's degree in Finance, Business Administration, or a related field. * Proven experience (2-5 years) in sales or relationship management within the banking or financial services industry, specifically with Loan Against Property (LAP) products. * Strong understanding of LAP products, credit appraisal, and risk management principles. * Excellent communication, negotiation, and interpersonal skills. * Demonstrated ability to build and maintain strong client relationships. * Results-oriented with a proven track record of achieving sales targets. * Proficiency in local language (Telugu) is highly preferred. * Knowledge of the Suryapet market and local business landscape is an advantage. * Ability to work independently and as part of a team.