IDFC Hiring Commercial Vehicles Loan Officer| Apply Now
- Job Title: Commercial Vehicles Loan Officer
- Company: IDFC First Bank
- Job Type: Full-Time
- Degree: Any Graduate Can Apply
- Salary: RS. 24,000 – 46,000/- PM
- Location: Raipur, Chhattisgarh
- Experience: 1-3 years of Experience
About IDFC First Bank:
IDFC First Bank is a leading private quarter bank dedicated to imparting client-centric financial answers. We interested in modern banking services for the duration of retail, commercial enterprise, and organization sectors. Our assignment is to resource the monetary boom of people and businesses alike, with a willpower to accept as authentic with, transparency, and excellence.
Job Overview: Commercial Vehicles Loan Officer
IDFC First Bank is looking for a dynamic and induced man or woman to enroll in our organization as a Commercial Vehicles Loan Officer.
The perfect candidate might be responsible for coping with and developing the portfolio for enterprise car loans with the aid of making sure high levels of customer support and pleasure. The role demands sturdy relationship control capabilities, analytical wondering, and the capacity to gain earnings goals.
Key Responsibilities: Commercial Vehicles Loan Officer
1. Sales and Business Development:
- Drive the boom of the monetary vehicle loan portfolio with the beneficial useful resource of sourcing new clients and deepening relationships with existing clients.
- Identify functionality customers thru market research, networking, and bloodless calling.
- Collaborate with automobile dealerships, transport operators, and fleet owners to provide loan merchandise appropriate to their commercial organisation vehicle wishes.
- Achieve monthly, quarterly, and annual profits desires.
2. Loan Processing and Disbursement:
- Evaluate customer packages for industrial vehicle loans and decide eligibility.
- Ensure the proper collection and verification of documents required for loan approval.
- Coordinate with credit rating score and danger companies to method loan programs effectively.
- Oversee the disbursement of usual loans in compliance with financial organization guidelines and procedures.
3. Customer Relationship Management:
- Maintain robust relationships with current customers and make sure well timed renewal of loans.
- Provide surrender-to-give up help to customers regarding loan queries, documentation, and publish-mortgage services.
- Handle purchaser complaints and treatment them successfully to ensure a smooth enjoy.
- Deliver awesome customer support and make sure a excessive diploma of client satisfaction.
4. Risk and Compliance Management:
- Perform due diligence on customers and businesses to assess creditworthiness.
- Monitor market dispositions and decide dangers within the industrial automobile section.
- Ensure compliance with all regulatory requirements, which incorporates KYC (Know Your Customer) norms and documentation necessities.
- Adhere to IDFC First Bank’s threat management guidelines and techniques.
5. Market Research and Analysis:
- Stay up to date on the modern-day-day dispositions in the industrial corporation car enterprise.
- Conduct market research to apprehend client alternatives, competition, and marketplace opportunities.
- Regularly offer insights on marketplace conditions, product basic average overall performance, and client remarks to assist optimize loan offerings.
Key Skills Required: Commercial Vehicles Loan Officer
- Sales Acumen: Strong ability to generate leads, pick out opportunities, and near profits for enterprise car loans.
- Customer-Centric Approach: Ability to apprehend the wishes of organisation vehicle operators and provide tailored solutions.
- Problem-Solving: Handle patron issues and mortgage device challenges with a proactive and answers-orientated technique.
Educational Qualifications & Experience:
- Educational Background: Graduate in any concern. MBA or Post-Graduate in Finance or associated fields is desired.
- Experience: 1-three years of enjoy in earnings or economic offerings, mainly in car loans or similar products.
- Industry Knowledge: Strong information of the economic automobile business enterprise and the credit necessities for vehicle financing.
- Language Skills: Proficiency in English and close by languages is suitable.
Key Performance Indicators (KPIs):
- Loan disbursement desires met or exceeded.
- Customer satisfaction and retention expenses.
- Compliance with mortgage approval and disbursement protocols.
- Cross-sell and upsell banking merchandise.
- Minimization of non-appearing assets (NPAs).
Benefits: Commercial Vehicles Loan Officer
- Competitive earnings with overall performance-associated incentives.
- Professional improvement possibilities.
- Health coverage and different worker benefits.
- Dynamic artwork surroundings with a focus on innovation and boom.
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