Relationship Officer Fresher Job

Key Responsibilities:

1. Compliance and management:
a. Carry out the pre and post-loan activities related to group loans.
b. Presenting the loan applications to the Credit team, portfolio administration, prioritizing the repayment of loans to preserve the portfolio quality.

2. Promotion:
a. Promote new potential clients and eligible clients offering various other products.

3. Loan appraisal:
a. Inform 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.
b. Make sure that the client meets the credit requirements.
c. Visit the client's business and home to do the assessment, following the credit policy procedures.
d. Analyze and presents a consistent loan proposal to the credit team for its approval.
e. Inform the client about the credit team decision.

4. Follow-up:
a. Follows the loan disbursement process.
b. In case of arrears visits clients and guarantors for the loan recovery.
c. Informs the BRM or AM about the demand in his/her assigned area as well as on the competition.
d. Makes a close follow up of the disbursed loans, especially of the ones not paying on time.
e. Responsible for his/her portfolio administration, promoting its growth and keeping it with daily planning and organization of activities.

5. Client service:
a. Provides a quick and timely service to the clients, making sure that the client's expectations are fulfilled whenever is possible.
b. Ensures a good and respectful treatment to the clients and establishes a professional relationship with them, with a long term perspective.
c. Guarantees confidential treatment to all the information gathered from the client and of the Institution

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