Relationship Manager – LAP

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.