Loan Officer

The Banking Sales professional is responsible for driving sales of the bank’s products and services by acquiring new customers, building strong relationships, and achieving assigned sales targets. The role involves identifying prospects, understanding their financial needs, recommending suitable banking solutions (deposits, loans, cards, investments, etc.), and ensuring seamless service delivery in coordination with internal teams.expertia+1youtube

• Key ResponsibilitiesBusiness Acquisition & SalesIdentify and target potential individual and corporate customers for banking products such as savings accounts, current accounts, loans, credit cards, and investment products.superworks+1
• Conduct field visits, market surveys, and corporate meetings to generate new leads and acquire new-to-bank customers.expertia+1
• Achieve monthly, quarterly, and annual sales targets for CASA (Current & Savings Accounts), loans, cards, and other priority products.expertia+1
• Participate in campaigns, melas, and referral programs to enhance brand visibility and customer acquisition.expertia
• Customer Relationship ManagementBuild and maintain long-term relationships with customers to ensure repeat business and cross-selling opportunities.expertia+1
• Understand customers’ financial objectives and recommend appropriate banking solutions (e.g., business expansion finance, debt management, investment plans).jobbank.gc+1
• Address customer queries and complaints promptly; coordinate with operations and service teams for resolution.expertia
• Ensure high levels of customer satisfaction and retention through regular follow-ups and value-added services.youtubeqwikresume
• Lead Generation & Pipeline ManagementSource leads through referrals, networking, corporate tie-ups, and digital channels.expertia+1
• Maintain and manage a healthy sales pipeline in the bank’s CRM system.expertia
• Track lead status from prospecting to closure and ensure timely conversion.expertia
• Documentation & ComplianceCollect and verify customer documents (KYC, income proof, business details, etc.) as per bank norms and regulatory guidelines.jobbank.gc
• Prepare and submit complete loan and account opening files with proper documentation and risk assessment.youtubejobbank.gc
• Ensure adherence to RBI guidelines, internal credit policies, and KYC/AML norms in all sales activities.expertia
• Maintain accurate records of all customer interactions and transactions.expertia
• Cross-Selling & Revenue GrowthIdentify cross-sell opportunities within the existing customer base (e.g., credit cards, insurance, third-party products, investment schemes).expertia+1
• Promote digital banking services (mobile banking, internet banking, UPI, etc.) to enhance customer engagement and reduce branch dependency.jobbank.gc
• Contribute to overall branch/area revenue through fee-based income and product penetration.expertia+1
• Market Intelligence & ReportingStay updated on banking products, competitor offerings, and market trends.expertia
• Provide regular feedback to management on market conditions, customer preferences, and competitive activities.expertia
• Prepare and submit daily/weekly activity reports, pipeline updates, and sales MIS to the reporting manager.expertia+1
• Qualifications & ExperienceGraduate (any stream); MBA/PGDM in Finance, Marketing, or related field is preferred.expertia+1
• 0–3 years of experience in banking sales, financial services, or related sales roles; freshers with strong interest in banking can also be considered.ipbindia+1
• Prior experience in selling banking products (loans, deposits, cards, insurance, etc.) is an advantage.superworks+1
• Knowledge of banking regulations, credit processes, and KYC/AML norms is desirable.