senior loan officer

Griffin Funding, Inc.

<p>Mortgage Loan Officer &ndash; Irvine, CA (Orange County)Griffin Funding | Consumer Direct Mortgage | Non-QM, VA &amp; HELOAN SpecialistAbout Griffin Funding</p><p><b>Does This Sound Like You?</b></p><ul><li>Do you thrive in a phone-first environment and love converting a conversation into a closed loan?</li><li>Are you ready to stop spending your best hours prospecting and start spending them helping clients?</li><li>Are you looking for a platform with real infrastructure, real leads, and a real career path?</li></ul><p>If you answered yes, keep reading.</p><p>At Griffin Funding, we believe every borrower deserves a true fiduciary. We are a national direct lender specializing in Non-QM (DSCR, Bank Statement, 5&ndash;10 Unit), VA, and HELOAN products, with access to Conventional, Jumbo, FHA, USDA, Reverse, 2nds, and more.</p><p>We are a <b>consumer direct</b> mortgage company. We invest heavily in marketing and technology so our Loan Officers spend their time consulting and closing, not cold prospecting. Our Orange County team is based in our brand new Irvine office, conveniently located next to Irvine Spectrum. We are <b>growing and profiting</b> in a market where others are struggling.</p><p>Our 5-star client reviews and 2021 Inc. Best Places to Work recognition reflect a culture built on accountability, collaboration, and genuine care for clients and teammates alike.</p><p><b>Why Griffin is Different</b></p><p>We invest heavily in Google SEO and PPC to generate <b>high-intent, first-party inbound leads</b> managed through HubSpot. A dedicated operations and underwriting team handles conditions and loan progression &mdash; you are not stuck chasing paperwork. This lets you focus where it matters most: working with clients and closing deals.</p><ul><li>More time advising clients, less time prospecting</li><li>Consistent pipeline of inbound and outbound opportunities</li><li>Proven systems and support to drive steady deal flow</li></ul><p><b>What You'll Do</b></p><ul><li>Engage with inbound inquiries and follow up diligently via phone, voicemail, text, and email</li><li>Consult with clients to understand their financial situation and recommend the right loan product</li><li>Guide clients through the full origination process with clear communication and consistent follow-through</li><li>Maintain accurate CRM activity in HubSpot and manage your pipeline with discipline</li><li>Earn 5-star reviews as a standard part of every closed transaction</li></ul><p>Onboarding, Training &amp; Career Path</p><p>New Loan Officers complete a structured first month of onboarding and <b>Griffin Funding University (GFU)</b>, including a final assessment. A 90-day probationary period includes regular coaching and clear performance expectations.</p><p>Loan Officers who consistently exceed funding standards will be reviewed for promotion to <b>Senior Loan Officer</b> (at the discretion of the VP of Lending), unlocking past client leads, Chili Piper appointments, direct ISA transfers, and priority inbound ring group placement.</p><p>Compensation &amp; Benefits</p><ul><li><b>Full-time hourly</b> position structured as a draw against commissions; commissions paid once they exceed the draw</li><li><b>Earning potential: $150,000&ndash;$300,000+</b> for high performers</li><li>Medical, Dental &amp; Vision Insurance | Paid Time Off</li><li>In-house processing and underwriting support</li><li>Company-provided Google SEO and PPC leads via HubSpot</li><li>Licensing support across 27 states + all 50 states for DSCR/BPL loans</li></ul><p>What We're Looking For</p><p><b>Experience &amp; Requirements:</b></p><ul><li>2+ years as a licensed Loan Officer managing leads <i>(preferred)</i></li><li>Non-QM experience strongly preferred (DSCR, Bank Statement, 5&ndash;10 unit); VA experience a plus</li><li>NMLS License required <i>(no license required for Business Purpose/DSCR loans)</i></li><li>Must pass background check</li></ul><p><b>The Right Fit:</b></p><ul><li>Phone-first mentality with urgency, consistency, and strong follow-up habits</li><li>Financially sharp &mdash; comfortable with debt ratios, credit analysis, and a wide product menu</li><li>Coachable, collaborative, and accountable to outcomes &mdash; not just activity</li><li>Committed to a 5-star client experience as a non-negotiable standard</li></ul><p><b>Not the Right Fit If You:</b></p><ul><li>Avoid high call volume or prefer passive communication styles</li><li>Treat CRM discipline and client reviews as optional</li><li>Need to build your own systems rather than execute within proven ones</li></ul><p>Griffin Funding Core Values</p><p><b>Own Your Outcomes. Excellence in Every Interaction. Grow Together.</b></p><p><i><b>Griffin Funding, provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, Griffin Funding, complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities.</b></i></p><p>NMLS #1120111</p><p>VA Approved Lender ID: 9088650000<br/>FHA Non-Supervised Lender No.: 01472-0000-3</p><p>Job Type: Full-time</p><p>Pay: $40,000.00 - $300,000.00 per year</p><p>Benefits:</p><ul><li>Dental insurance</li><li>Health insurance</li><li>Paid time off</li></ul><p>Ability to Relocate:</p><ul><li>Irvine, CA 92618: Relocate before starting work (Required)</li></ul><p>Work Location: In person</p>

Mortgage Loan Originator

Aditya Birla Group

<div><div><div><div><div><div><div>Informal
</div><h1 class="jobSectionHeader"><b>Senior Key Relationship Officer-Informal -Madurai</b></h1>
<div>Location: TN21, Madurai</div>
<p></p><div>
</div></div></div><div><h2 class="jobSectionHeader"><b>Job Description</b></h2>
<p></p><div><p>Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><ul><li>
ABHFL operates in the Rs. 11.4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of newer entrants in niche segments like affordable housing and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market and has remained stable at ~37% as on December 2015.</li><li>
The ABHFL Sales organization works broadly with 3 customer segments &ndash; retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tie-ups and construction finance), with a major share of the business coming from retail customers. Client segments can also be divided into Salaried and Self employed, with both of these having very different preferences and needs.</li></ul><p>
Job Context</p><p>
Key Aspects:</p><ul><li>
Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.</li><li>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</li><li>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</li><li>
For retail customers, identifying and acting on relevant needs in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability</li><li>
For institutional/ builder customers, understanding and addressing business needs via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage</li><li>
The (Sr.) Sales Officer (Direct) &ndash; ABHFL is responsible for achieving sales targets through the direct channels as agreed with the Sales Manager (Direct) and AH (Sales), in terms of targeted book size, growth &amp; customer service objectives.</li></ul><p>
Key Challenges</p><ul><li>
To execute sales operations to achieve assigned targets ensuring adequate sourcing funnel and considering local factors, such as competitor presence, existing relationships, new prospect opportunities, etc.</li><li>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</li></ul><p>
3) Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><p>
required</p><ul><li>
To upgrade financial &amp; operational know how on market/ local trends, effective negotiation and relationship building, and efficient loan processing for strengthening customer relationships while ensuring portfolio health and profitability</li><li>
To check credit quality via effective portfolio selection/ pre screening, and work with Risk team members to minimize potential NPAs while driving efficient sales operations</li><li>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</li></ul><p>
Enabling Skill Sets &amp; Qualifications</p><ul><li>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</li><li>
Education &amp; experience required to fulfil this profile are a graduate with 0 - 2 yrs (3 &ndash; 4 yrs for Sr. Sales Officer) of sales experience in the Banking/ NBFC space.</li></ul><p>
4) Principal Accountabilities</p><p>
Accountability/ Supporting Actions</p><p>
Sales Planning &amp; Operations</p><ul><li>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</li><li>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</li><li>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</li></ul><p>
Customer Acquisition/ Engagement</p><ul><li>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</li><li>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</li><li>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</li></ul><p>
Operational Effectiveness
</p><ul><li>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</li><li>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</li><li>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</li></ul><p>
Self Development &amp; Internal Stakeholder
</p><ul><li>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</li><li>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</li></ul><p>
Management
</p><ul><li>Portfolio &amp; Risk Management</li></ul><ul><li>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</li><li>
Ensure compliant sales operations and sound risk management in day-to-day operations</li><li>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</li></ul><p></p>
</div><div><div><div>Minimum Experience Level</div>
<div><p>0 - 4 years</p></div>
</div><div></div><div><div>Job Qualifications</div></div></div></div></div></div></div></div><p></p>

Senior Key Relationship Officer-Informal -Madurai

<div><div><div><div><div><div><div>Informal
</div><h1 class="jobSectionHeader"><b>Senior Key Relationship Officer - ABHFL - Informal - Tirunelveli</b></h1>
<div>Location: TN21, Madurai</div>
<p></p><div>
</div></div></div><div><h2 class="jobSectionHeader"><b>Job Description</b></h2>
<p></p><div><p>Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><ul><li>
ABHFL operates in the Rs. 11.4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of newer entrants in niche segments like affordable housing and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market and has remained stable at ~37% as on December 2015.</li><li>
The ABHFL Sales organization works broadly with 3 customer segments &ndash; retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tie-ups and construction finance), with a major share of the business coming from retail customers. Client segments can also be divided into Salaried and Self employed, with both of these having very different preferences and needs.</li></ul><p>
Job Context</p><p>
Key Aspects:</p><ul><li>
Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.</li><li>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</li><li>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</li><li>
For retail customers, identifying and acting on relevant needs in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability</li><li>
For institutional/ builder customers, understanding and addressing business needs via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage</li><li>
The (Sr.) Sales Officer (Direct) &ndash; ABHFL is responsible for achieving sales targets through the direct channels as agreed with the Sales Manager (Direct) and AH (Sales), in terms of targeted book size, growth &amp; customer service objectives.</li></ul><p>
Key Challenges</p><ul><li>
To execute sales operations to achieve assigned targets ensuring adequate sourcing funnel and considering local factors, such as competitor presence, existing relationships, new prospect opportunities, etc.</li><li>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</li></ul><p>
3) Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><p>
required</p><ul><li>
To upgrade financial &amp; operational know how on market/ local trends, effective negotiation and relationship building, and efficient loan processing for strengthening customer relationships while ensuring portfolio health and profitability</li><li>
To check credit quality via effective portfolio selection/ pre screening, and work with Risk team members to minimize potential NPAs while driving efficient sales operations</li><li>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</li></ul><p>
Enabling Skill Sets &amp; Qualifications</p><ul><li>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</li><li>
Education &amp; experience required to fulfil this profile are a graduate with 0 - 2 yrs (3 &ndash; 4 yrs for Sr. Sales Officer) of sales experience in the Banking/ NBFC space.</li></ul><p>
4) Principal Accountabilities</p><p>
Accountability/ Supporting Actions</p><p>
Sales Planning &amp; Operations</p><ul><li>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</li><li>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</li><li>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</li></ul><p>
Customer Acquisition/ Engagement</p><ul><li>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</li><li>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</li><li>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</li></ul><p>
Operational Effectiveness
</p><ul><li>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</li><li>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</li><li>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</li></ul><p>
Self Development &amp; Internal Stakeholder
</p><ul><li>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</li><li>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</li></ul><p>
Management
</p><ul><li>Portfolio &amp; Risk Management</li></ul><ul><li>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</li><li>
Ensure compliant sales operations and sound risk management in day-to-day operations</li><li>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</li></ul><p></p>
</div><div><div><div>Minimum Experience Level</div>
<div><p>0 - 4 years</p></div>
</div><div></div><div><div>Job Qualifications</div></div></div></div></div></div></div></div><p></p>

Senior Key Relationship Officer - ABHFL - Informal - Tirunelveli

<div><div><div><div><div><div><div>Informal
</div><h1 class="jobSectionHeader"><b>Senior Key Relationship Officer - ABHFL - Informal - Vellore</b></h1>
<div>Location: TN20, Vellore</div>
<p></p><div>
</div></div></div><div><h2 class="jobSectionHeader"><b>Job Description</b></h2>
<p></p><div><p>Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><ul><li>
ABHFL operates in the Rs. 11.4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of newer entrants in niche segments like affordable housing and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market and has remained stable at ~37% as on December 2015.</li><li>
The ABHFL Sales organization works broadly with 3 customer segments &ndash; retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tie-ups and construction finance), with a major share of the business coming from retail customers. Client segments can also be divided into Salaried and Self employed, with both of these having very different preferences and needs.</li></ul><p>
Job Context</p><p>
Key Aspects:</p><ul><li>
Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.</li><li>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</li><li>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</li><li>
For retail customers, identifying and acting on relevant needs in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability</li><li>
For institutional/ builder customers, understanding and addressing business needs via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage</li><li>
The (Sr.) Sales Officer (Direct) &ndash; ABHFL is responsible for achieving sales targets through the direct channels as agreed with the Sales Manager (Direct) and AH (Sales), in terms of targeted book size, growth &amp; customer service objectives.</li></ul><p>
Key Challenges</p><ul><li>
To execute sales operations to achieve assigned targets ensuring adequate sourcing funnel and considering local factors, such as competitor presence, existing relationships, new prospect opportunities, etc.</li><li>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</li></ul><p>
3) Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><p>
required</p><ul><li>
To upgrade financial &amp; operational know how on market/ local trends, effective negotiation and relationship building, and efficient loan processing for strengthening customer relationships while ensuring portfolio health and profitability</li><li>
To check credit quality via effective portfolio selection/ pre screening, and work with Risk team members to minimize potential NPAs while driving efficient sales operations</li><li>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</li></ul><p>
Enabling Skill Sets &amp; Qualifications</p><ul><li>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</li><li>
Education &amp; experience required to fulfil this profile are a graduate with 0 - 2 yrs (3 &ndash; 4 yrs for Sr. Sales Officer) of sales experience in the Banking/ NBFC space.</li></ul><p>
4) Principal Accountabilities</p><p>
Accountability/ Supporting Actions</p><p>
Sales Planning &amp; Operations</p><ul><li>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</li><li>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</li><li>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</li></ul><p>
Customer Acquisition/ Engagement</p><ul><li>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</li><li>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</li><li>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</li></ul><p>
Operational Effectiveness
</p><ul><li>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</li><li>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</li><li>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</li></ul><p>
Self Development &amp; Internal Stakeholder
</p><ul><li>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</li><li>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</li></ul><p>
Management
</p><ul><li>Portfolio &amp; Risk Management</li></ul><ul><li>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</li><li>
Ensure compliant sales operations and sound risk management in day-to-day operations</li><li>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</li></ul><p></p>
</div><div><div><div>Minimum Experience Level</div>
<div><p>0 - 4 years</p></div>
</div><div></div><div><div>Job Qualifications</div></div></div></div></div></div></div></div><p></p>

Senior Key Relationship Officer - ABHFL - Informal - Vellore

<div><div><div><div><div><div><div>Informal
</div><h1 class="jobSectionHeader"><b>Senior Key Relationship Officer-Informal-Vellore</b></h1>
<div>Location: TN20, Vellore</div>
<p></p><div>
</div></div></div><div><h2 class="jobSectionHeader"><b>Job Description</b></h2>
<p></p><div><p>Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><ul><li>
ABHFL operates in the Rs. 11.4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of newer entrants in niche segments like affordable housing and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market and has remained stable at ~37% as on December 2015.</li><li>
The ABHFL Sales organization works broadly with 3 customer segments &ndash; retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tie-ups and construction finance), with a major share of the business coming from retail customers. Client segments can also be divided into Salaried and Self employed, with both of these having very different preferences and needs.</li></ul><p>
Job Context</p><p>
Key Aspects:</p><ul><li>
Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.</li><li>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</li><li>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</li><li>
For retail customers, identifying and acting on relevant needs in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability</li><li>
For institutional/ builder customers, understanding and addressing business needs via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage</li><li>
The (Sr.) Sales Officer (Direct) &ndash; ABHFL is responsible for achieving sales targets through the direct channels as agreed with the Sales Manager (Direct) and AH (Sales), in terms of targeted book size, growth &amp; customer service objectives.</li></ul><p>
Key Challenges</p><ul><li>
To execute sales operations to achieve assigned targets ensuring adequate sourcing funnel and considering local factors, such as competitor presence, existing relationships, new prospect opportunities, etc.</li><li>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</li></ul><p>
3) Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><p>
required</p><ul><li>
To upgrade financial &amp; operational know how on market/ local trends, effective negotiation and relationship building, and efficient loan processing for strengthening customer relationships while ensuring portfolio health and profitability</li><li>
To check credit quality via effective portfolio selection/ pre screening, and work with Risk team members to minimize potential NPAs while driving efficient sales operations</li><li>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</li></ul><p>
Enabling Skill Sets &amp; Qualifications</p><ul><li>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</li><li>
Education &amp; experience required to fulfil this profile are a graduate with 0 - 2 yrs (3 &ndash; 4 yrs for Sr. Sales Officer) of sales experience in the Banking/ NBFC space.</li></ul><p>
4) Principal Accountabilities</p><p>
Accountability/ Supporting Actions</p><p>
Sales Planning &amp; Operations</p><ul><li>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</li><li>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</li><li>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</li></ul><p>
Customer Acquisition/ Engagement</p><ul><li>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</li><li>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</li><li>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</li></ul><p>
Operational Effectiveness
</p><ul><li>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</li><li>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</li><li>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</li></ul><p>
Self Development &amp; Internal Stakeholder
</p><ul><li>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</li><li>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</li></ul><p>
Management
</p><ul><li>Portfolio &amp; Risk Management</li></ul><ul><li>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</li><li>
Ensure compliant sales operations and sound risk management in day-to-day operations</li><li>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</li></ul><p></p>
</div><div><div><div>Minimum Experience Level</div>
<div><p>0 - 4 years</p></div>
</div><div></div><div><div>Job Qualifications</div></div></div></div></div></div></div></div><p></p>

Senior Key Relationship Officer-Informal-Vellore

<div><div><div><div><div><div><div>Informal
</div><h1 class="jobSectionHeader"><b>Senior Key Relationship Officer - ABHFL - Informal - Coimbatore</b></h1>
<div>Location: TN24, Coimbatore</div>
<p></p><div>
</div></div></div><div><h2 class="jobSectionHeader"><b>Job Description</b></h2>
<p></p><div><p>Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><ul><li>
ABHFL operates in the Rs. 11.4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of newer entrants in niche segments like affordable housing and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market and has remained stable at ~37% as on December 2015.</li><li>
The ABHFL Sales organization works broadly with 3 customer segments &ndash; retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tie-ups and construction finance), with a major share of the business coming from retail customers. Client segments can also be divided into Salaried and Self employed, with both of these having very different preferences and needs.</li></ul><p>
Job Context</p><p>
Key Aspects:</p><ul><li>
Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.</li><li>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</li><li>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</li><li>
For retail customers, identifying and acting on relevant needs in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability</li><li>
For institutional/ builder customers, understanding and addressing business needs via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage</li><li>
The (Sr.) Sales Officer (Direct) &ndash; ABHFL is responsible for achieving sales targets through the direct channels as agreed with the Sales Manager (Direct) and AH (Sales), in terms of targeted book size, growth &amp; customer service objectives.</li></ul><p>
Key Challenges</p><ul><li>
To execute sales operations to achieve assigned targets ensuring adequate sourcing funnel and considering local factors, such as competitor presence, existing relationships, new prospect opportunities, etc.</li><li>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</li></ul><p>
3) Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><p>
required</p><ul><li>
To upgrade financial &amp; operational know how on market/ local trends, effective negotiation and relationship building, and efficient loan processing for strengthening customer relationships while ensuring portfolio health and profitability</li><li>
To check credit quality via effective portfolio selection/ pre screening, and work with Risk team members to minimize potential NPAs while driving efficient sales operations</li><li>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</li></ul><p>
Enabling Skill Sets &amp; Qualifications</p><ul><li>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</li><li>
Education &amp; experience required to fulfil this profile are a graduate with 0 - 2 yrs (3 &ndash; 4 yrs for Sr. Sales Officer) of sales experience in the Banking/ NBFC space.</li></ul><p>
4) Principal Accountabilities</p><p>
Accountability/ Supporting Actions</p><p>
Sales Planning &amp; Operations</p><ul><li>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</li><li>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</li><li>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</li></ul><p>
Customer Acquisition/ Engagement</p><ul><li>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</li><li>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</li><li>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</li></ul><p>
Operational Effectiveness
</p><ul><li>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</li><li>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</li><li>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</li></ul><p>
Self Development &amp; Internal Stakeholder
</p><ul><li>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</li><li>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</li></ul><p>
Management
</p><ul><li>Portfolio &amp; Risk Management</li></ul><ul><li>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</li><li>
Ensure compliant sales operations and sound risk management in day-to-day operations</li><li>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</li></ul><p></p>
</div><div><div><div>Minimum Experience Level</div>
<div><p>0 - 4 years</p></div>
</div><div></div><div><div>Job Qualifications</div></div></div></div></div></div></div></div><p></p>

Senior Key Relationship Officer - ABHFL - Informal - Coimbatore

<div><div><div><div><div><div><div>Affordable - ABCD
</div><h1 class="jobSectionHeader"><b>Senior Key Relationship Officer</b></h1>
<div>Location: WB04, Kolkata</div>
<p></p><div>
</div></div></div><div><h2 class="jobSectionHeader"><b>Job Description</b></h2>
<p></p><div><p>Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><ul><li>
ABHFL operates in the Rs. 11.4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of newer entrants in niche segments like affordable housing and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market and has remained stable at ~37% as on December 2015.</li><li>
The ABHFL Sales organization works broadly with 3 customer segments &ndash; retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tie-ups and construction finance), with a major share of the business coming from retail customers. Client segments can also be divided into Salaried and Self employed, with both of these having very different preferences and needs.</li></ul><p>
Job Context</p><p>
Key Aspects:</p><ul><li>
Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.</li><li>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</li><li>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</li><li>
For retail customers, identifying and acting on relevant needs in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability</li><li>
For institutional/ builder customers, understanding and addressing business needs via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage</li><li>
The (Sr.) Sales Officer (Direct) &ndash; ABHFL is responsible for achieving sales targets through the direct channels as agreed with the Sales Manager (Direct) and AH (Sales), in terms of targeted book size, growth &amp; customer service objectives.</li></ul><p>
Key Challenges</p><ul><li>
To execute sales operations to achieve assigned targets ensuring adequate sourcing funnel and considering local factors, such as competitor presence, existing relationships, new prospect opportunities, etc.</li><li>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</li></ul><p>
3) Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><p>
required</p><ul><li>
To upgrade financial &amp; operational know how on market/ local trends, effective negotiation and relationship building, and efficient loan processing for strengthening customer relationships while ensuring portfolio health and profitability</li><li>
To check credit quality via effective portfolio selection/ pre screening, and work with Risk team members to minimize potential NPAs while driving efficient sales operations</li><li>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</li></ul><p>
Enabling Skill Sets &amp; Qualifications</p><ul><li>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</li><li>
Education &amp; experience required to fulfil this profile are a graduate with 0 - 2 yrs (3 &ndash; 4 yrs for Sr. Sales Officer) of sales experience in the Banking/ NBFC space.</li></ul><p>
4) Principal Accountabilities</p><p>
Accountability/ Supporting Actions</p><p>
Sales Planning &amp; Operations</p><ul><li>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</li><li>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</li><li>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</li></ul><p>
Customer Acquisition/ Engagement</p><ul><li>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</li><li>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</li><li>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</li></ul><p>
Operational Effectiveness
</p><ul><li>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</li><li>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</li><li>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</li></ul><p>
Self Development &amp; Internal Stakeholder
</p><ul><li>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</li><li>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</li></ul><p>
Management
</p><ul><li>Portfolio &amp; Risk Management</li></ul><ul><li>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</li><li>
Ensure compliant sales operations and sound risk management in day-to-day operations</li><li>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</li></ul><p></p>
</div><div><div><div>Minimum Experience Level</div>
<div><p>0 - 4 years</p></div>
</div><div></div><div><div>Job Qualifications</div></div></div></div></div></div></div></div><p></p>

Senior Key Relationship Officer

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