Relationship Officer

Position :- Relationship Officer – Home Loans

Department :- Sales & Business Development

Reports To :- Branch Manager / Sales Manager

Job Summary:-

The Relationship Officer (Home Loans) is responsible for sourcing new home loan business through direct sales, channel partners, builders, real estate agents, and customer referrals. The role involves customer acquisition, financial assessment, loan application processing, documentation, and ensuring timely disbursement while maintaining excellent customer relationships.

• Key ResponsibilitiesBusiness DevelopmentGenerate new Home Loan leads through field activities, referrals, and direct marketing.
• Develop and maintain relationships with builders, real estate brokers, DSAs, and channel partners.
• Achieve monthly sales targets for Home Loan disbursements.
• Conduct customer meetings and explain suitable loan products.
• Customer Relationship ManagementGuide customers through the complete Home Loan process.
• Understand customer financial requirements and recommend appropriate loan solutions.
• Maintain regular follow-up until loan sanction and disbursement.
• Ensure high customer satisfaction and prompt issue resolution.
• Loan ProcessingCollect and verify KYC, income, employment, and property documents.
• Coordinate with credit, legal, technical, and operations teams.
• Track loan applications and ensure timely processing.
• Assist customers in completing application forms and documentation.
• Sales & MarketingOrganize promotional activities, property events, and customer awareness campaigns.
• Build a strong local market presence.
• Cross-sell insurance and other financial products wherever applicable.
• ComplianceEnsure compliance with company policies and regulatory requirements.
• Maintain accurate customer records in CRM.
• Adhere to KYC, AML, and internal audit guidelines.
• Required SkillsStrong communication and negotiation skills.
• Sales and customer relationship management.
• Knowledge of Home Loan products and documentation.
• Understanding of property finance and banking processes.
• Ability to work independently and achieve targets.
• Basic computer knowledge (MS Office, CRM, Email).
• Key Performance Indicators (KPIs)Monthly Home Loan sourcing target.
• Number of quality leads generated.
• Loan approval ratio.
• Loan disbursement value.
• Customer satisfaction score.
• Portfolio quality and documentation accuracy.
• Preferred Candidate ProfileSelf-motivated and target-driven.
• Excellent interpersonal and presentation skills.
• Ability to travel locally for customer meetings.
• Valid two-wheeler and driving licence preferred.
• Working ConditionsFull-time field sales role.
• Travel within assigned territory.
• Office reporting as per company policy.
• Compensation :-Fixed Salary + Performance Incentives.
• Travel Allowance (as per company policy).
• Mobile Reimbursement (if applicable).
• Attractive incentives on Home Loan disbursements.
• Career growth opportunities based on performance.