Senior Relationship Officer - Mortgage Advisor
Abu Dhabi Commercial Bank
مجموع سنوات الخبرة :14 years, 2 أشهر
As mortgage advisor, meeting customers, providing excellent customer focused service by identifying a property buyer needs, then advising them on relevant mortgage products either face to face via email or over phone
Review property listings, trade journals and relevant literature; attend conventions, seminars, staff & association meetings to remain knowledgeable about real estate markets
Look at newer opportunities covering developers, brokers, existing key employ where there is a good potential for the bank to penetrate.
Originating, documenting and closing residential mortgage loans with emphasis on residential lending.
Expanding business by leveraging on new opportunities in the market.
Expanding the customer base through a variety of effective sales techniques.
Fact finding, researching references and doing to checks to verify a client’s financial background and circumstances
Manage, retain and develop business relationship with developers, brokers, and key relationship to achieve set business targets, enhance and maintain the image of the bank
Directed deals of mortgage products closing a high percentage of leads with a consultative sales approach within a highly competitive environment. Navigating clients through the complete mortgage process.
Relationship builder adept at promoting customer service excellence to drive exponential sales growth and revenue expansion through cross selling of insurance, cards and referring eligible clients to business and priority banking.
Compliance to sales processes and regulatory requirements.
Conceptualize and implement loan sales management activities as a part of market development and brand building effort in assigned region while handling a team in strict compliance with proper guidelines.
Understand & communicate skills to conduct portfolio review with clients. Strengthen the organizations business in line with the investment philosophy of the organization.
Responsible for sales of ‘Retail Asset Products’ from Axis Bank branches for Bangalore West region.
Source leads for 10 Retail Asset Products of Axis Bank i.e. Auto Loans, Home Loans, Loan Against Property, Emerging Enterprise Group, Personal Loans, Education Loans, Loan Against Securities, Commercial Vehicle & Construction Equipment Loans, Overdraft Against Fixed Deposits & Gold Loans.
Effective management of Sales Team & ensuring the achievement of key deliverables in terms of business volumes & cross sale.
Recruitment of the quality & specialized team members.
Enhance visibility of loan products at branches through various marketing activity and merchandising.
Launch campaign and marketing activities at corporate, enhance builder relationship.
Gained extensive experience in handing and managing following accountabilities:
Ensuring funding to the clients thorough credit processes thereby controlling the risk factor & attaining profits for the branches individually.
Managing sales functions for enhancing market share of products of all Tata Vehicles.
Handled Bangalore urban and rural region for financing.
Handled 30 plus dealer points of Tata Motors and plan for the sourcing of deals from various dealers.
Managing branch portfolio and keeping the portfolio under permissible levels.
Handled a team of 20 members to generate business and maintain the portfolio.
Generate, motivate and manage sales and collections through business development managers and sales associates. Ensuring branch maintains a good spread over the COF.
Defining and implementing strategies for market penetration by identifying the right market and the proper product mix hence getting prospective clients & explore marketing budgets.
Planning & scheduling assignments to achieve the pre-set goals within time, quality & cost parameters with the right product mix.
Formulating long term/short term strategic plans to enhance operations.
Spearheading the Sales, Credit and, Collections as per the set norms.
Conducting Surprise Audits / Inspection in various departments of the branch.
Capable of managing entire sales operations ranging from creating & retaining a Client base, ensuring due-diligence from credit perspective, implementing innovative marketing strategies for revenue generation via fee based income, Cross sale and Management fees collection, CRM & MIS Systems.
Adept in building relations with clients for securing repeat/referral business.
Targeting the market & identification of potential customers and lenders. Sourcing the business from market by understanding the requirements.
Close coordination with the concerned teams for smoothening of stage wise loan disbursement. Post disbursal, monitoring of the account. Ensuring smooth processing within given TAT right from lead generation, credit approval, disbursement and post disbursement activities.
Preparation of information memorandum, coordinating syndication process, and documentation of financing agreements and subsequent disbursement.
Enthusiastic performer with strong communication skills & ability to work under extreme pressure.
Maintaining healthy relation with customers and dealers by regular visits and telephonic communication. Designing & implementing good strategy & achieve targeted sales
Ensuring closure of deals sourced by channels in minimum TAT and provide them better services and addressing issues of channel partners.
Responsible to initiate marketing strategies with efficient supply chain solution to enhance sales and distribution
Planning and forecasting the requirement of the cement for the region, so has to maintain an adequate supply and quick replenishment.
MBA in Engineering Operations
Degree in Mechanical Engineering