Home Loan Advisory Specialist Jobs in DBS Bank - Kolkata

Job Description

 Responsibilities:

• Responsible for the P&L Account, delivering the top line & bottom line of the Mortgage business in line with organization needs
• Sales Budget and Plan, COA, Customer Retention, Recruitment & Product Training
• Handling aspects pertaining to Portfolio monitoring, Project Approval, Legal, Technical, PDD, Referral Billing, vendor management & sales Manager Incentives etc.
• Acquire customers for Home Loan from open market, Branch network, Channel partner and Builder relationship.
• Build new relationships with builder community basis projects and expansion plans.
• Developed strategic plans rolled out to business and built revenue streams with various product mix
• Portfolio management, PDD management, collection, Customer service, Vendor Management
• Guide the customer towards applying for Home Loan and explain the product features in terms of ROI, Processing Fees, Terms and conditions very clearly.
• Ensure adherence to KYC documents as per the guidelines of the company. Ensure proper completion of the files within timeline as per the company checklist
• Ensure proper closure of disbursement documentation within the timeline.
• Attend customer calls and properly attend to their requests for ensure high customer satisfaction. Communicate the reasons for rejection to the customer. 
• Job Duties & responsibilities 
•  Work with the Treasures Relationship Manager team to convert the Mortgage Leads from the existing base of customers.
• Driving the sales pitch to interested customers, provide necessary subject matter expertise on Home Loans and detail the DBS Home Loan product.
• Sourcing of Home Loan applications, completing the documentation as per DBS guidelines, collection of Processing fees etc.
• To collect disbursal documents consisting of legal documentation, promissory notes, mortgage T&C’s etc.
• Collect ECS and original Sale agreement / offer document for disbursals.
• Provide assistance to collection teams to maintain standard repayment schedules for customers, assist in delinquent cases.
• Facilitate product training jointly with Product manager to the TRM team.
• Manage customer issues on service / applications.

Qualifications/ Skills:

• Required Experience 
• Proven track record in Mortgage sales, meeting loan volume budgets etc
• Understanding of the mortgage business and market
• Understanding of competition and key market practices.
• Thorough product knowledge.
• Should have relevant assets experience in the local market and have understanding of key customer segments.
• Core Competencies 
•  Excellent listening skills, with inquisitive mind
• Strong ability to influence
• Self drive and highly ambitious
• Good written and verbal communication skills
• Result oriented and the ability to produce results under pressure.
• Relationship building and management skills.
• Understanding of competitive positioning
• Strong customer orientation and focused on brand
• Creative with lateral thinking ability
• Attention to detail and tenacious
• Self Starter
• Skilled seller to be a role model for the team.
• Technical Competencies 
• Sound understanding of Mortgages business and market
• Knowledge of home loan products to assist clients and relationship managers.
• Sound knowledge on home loan documentation, regulatory guidelines.