Branch Relationship Officer

Key Roles & Responsibilities

1. Lead Generation & Customer Acquisition

• Identify potential customers requiring mortgage loans (Loan Against Property – LAP).
• Generate leads through field visits, references, brokers, DSAs and other channels.
• Develop and maintain relationships with customers and local business partners.
• Conduct regular market visits to identify new business opportunities.

2. Sales & Business Development

• Explain loan products, eligibility criteria, interest rates, tenure and repayment terms to customers.
• Achieve monthly login, disbursement and business volume targets.
• Convert potential leads into loan applications and follow up until disbursement.
• Maintain a strong sales pipeline to ensure consistent business generation.

3. Customer Documentation & Loan Login

• Collect KYC documents, income proofs, bank statements and property-related documents.
• Verify the completeness of application documents before submission.
• Coordinate with the Operations Team for loan login and processing.
• Obtain additional documents from customers whenever required.

4. Property & Customer Coordination

• Collect basic property details and coordinate for property valuation and legal verification.
• Arrange customer meetings and property visits whenever required.
• Coordinate with the Credit Team for customer information and loan assessment.
• Follow up on pending legal, technical and credit requirements.

5. Internal Team Coordination

• Coordinate with Sales Managers, Branch Managers, Credit and Operations Teams.
• Follow up on loan applications from login to sanction and disbursement.
• Communicate application status and pending requirements to customers.
• Ensure proper handover of customer files to the concerned departments.

6. Customer Relationship Management

• Maintain professional relationships with existing and prospective customers.
• Provide timely updates on loan application status.
• Resolve basic customer queries and escalate issues to the appropriate team.
• Encourage referrals and repeat business opportunities.

7. Reporting & Target Achievement

• Submit daily sales reports, lead status and field visit reports.
• Maintain accurate records of leads, applications, sanctions and disbursements.
• Review performance against monthly targets with the reporting manager.
• Follow company policies, customer verification procedures and compliance requirements.
• Key Performance Indicators (KPIs)Number of leads generated.
• Number of loan applications logged in.
• Monthly loan disbursement volume.
• Lead-to-login and login-to-disbursement conversion rates.
• Number of active business referral partners.
• Customer service quality and documentation accuracy.
• Achievement of assigned monthly targets.