Trainee loan officer/Loan officer /Relationship officer

Loan Officer / Relationship Officer Roles & Responsibilities

Role: Loan Officer / Relationship Officer (Gold Loans)
Department: Sales & Business Development
Product: Gold Loans

Key Responsibilities

• Generate new Gold Loan business through customer visits, references, local marketing, and lead generation.
• Identify and approach potential customers in the local market and explain Gold Loan products, eligibility, process, and benefits.
• Develop and maintain strong customer relationships to generate repeat and referral business.
• Handle customer enquiries and guide customers through the Gold Loan application process.
• Coordinate with the branch team for KYC, documentation, gold appraisal, loan processing, and disbursement.
• Follow up with leads regularly and convert eligible prospects into customers.
• Achieve assigned monthly business and disbursement targets.
• Conduct field visits and maintain good knowledge of the local market and customer base.
• Support customer retention, renewals, top-ups, and additional business opportunities as per company policy.
• Ensure all customer information and documents are collected accurately and submitted as per company/KYC requirements.
• Maintain daily activity reports, lead details, follow-ups, and business MIS.
• Coordinate with the Operations Manager/Branch Manager for smooth processing of customer cases.
• Follow company policies, compliance requirements, and ethical sales practices.
• Identify potential risks or suspicious customer/document activities and immediately escalate them to the concerned branch authority.
• Maintain professional relationships with existing customers and generate referral business.

Key Performance Areas

Lead Generation Customer Acquisition Gold Loan Disbursement Customer Relationship Repeat/Referral Business Target Achievement

For Freshers: Training will be provided on Gold Loan products, customer handling, sales process, documentation, and basic branch operations.