Relationship Officer

Position / Designation : Relationship Officer 3 Department : Operations 4 Employment Type : Full Time 5 Reporting to – Designation & Grade : Branch Relationship Manager 6 Main Tasks : Acquisition and Maintenance of new clients. Operations and Collection. 7 Areas of Responsibility :  Compliance and management: Carries out the pre and post-loan activities related to Group loans. Presenting the loan applications to the Credit team, portfolio administration, prioritizing the repayment of loans to preserve the portfolio quality.  Promotion – Promotes new potential clients and eligible clients offering various other products  Loan Appraisal – Informs potential clients about the requirements, conditions of the IGL Loan products, the procedures to obtain a loan, the importance of the payments on time etc o Makes sure that the client meets the credit requirements. o Visits the client's business and home to do the assessment, following the credit policy procedures. o Analyzes and presents a consistent loan proposal to the Credit team for its approval. o Informs the client about the Credit team decision  Follow – up : Follows the loan disbursement process. o In case of arrears visits clients and guarantors for the loan recovery. o Informs the BRM or AM about the demand in his/her assigned area as well as on the competition. o Makes a close follow up of the disbursed loans, especially of the ones not paying on time. o Responsible for his/her portfolio administration, promoting its growth and keeping it with daily planning and organization of activities  Client service: Provides a quick and timely service to the clients, making sure that the client's expectations are fulfilled whenever is possible. o Ensures a good and respectful treatment to the clients and establishes a professional relationship with them, with a long term perspective. Guarantees confidential treatment to all the information gathered from the client and of the Institution 8 Job Location / State : PAN INDIA B Personal Specification 1 Educational Qualification/ : +2 and above MML/HR/JD/RO@2013 Not for External circulation Page 2 of 2 Technical Certification 2 Skill Sets :  Should have a passion and desire to work in the social service sector.  Ability & desire for hands on work in the field with customers.  Basic Knowledge of accounting and finance is desirable  Basic Computer knowledge  Marketing and sales skills  Good interpersonal skills  Ability to Communicate – Should Have good verbal fluency and using simple, clear and purposeful language 3 Communication Skills : Fluency in Local Language 4 Experience : Fresher and 1+ year experience.