Relationship Officer - LAP

Job Summary**

The Relationship Officer - LAP is responsible for sourcing, acquiring, and managing a portfolio of Loan Against Property (LAP) clients. This role focuses on building strong client relationships, understanding their financial needs, and providing tailored LAP solutions to achieve sales targets and ensure customer satisfaction.

Job Responsibilities**

* Identify and target potential clients for Loan Against Property (LAP) products through various channels, including market research, referrals, and networking.
* Conduct thorough financial analysis and due diligence for LAP applications, including property valuation, credit assessment, and risk evaluation.
* Present and explain LAP product features, terms, and conditions to clients clearly and comprehensively.
* Negotiate terms and conditions with clients, ensuring compliance with company policies and regulatory guidelines.
* Prepare and process LAP applications accurately and efficiently, coordinating with internal departments such as credit, legal, and operations.
* Manage existing client relationships, providing ongoing support, addressing inquiries, and identifying opportunities for cross-selling or up-selling.
* Monitor portfolio performance, identify potential risks, and implement strategies for timely recovery and resolution of delinquent accounts.
* Stay updated on market trends, competitor activities, and regulatory changes related to LAP products.
* Achieve individual and team sales targets and contribute to the overall growth of the LAP portfolio.
* Maintain accurate records of client interactions, sales activities, and portfolio performance.

Job Qualifications**

* Bachelor's degree in Finance, Business Administration, Economics, or a related field.
* Proven experience (typically 2-5 years) in sales or relationship management within the financial services industry, specifically with Loan Against Property (LAP) products.
* Strong understanding of LAP product features, credit appraisal, property valuation, and legal documentation.
* Excellent communication, interpersonal, and negotiation skills.
* Demonstrated ability to build and maintain strong client relationships.
* Results-oriented with a proven track record of achieving sales targets.
* Ability to work independently and as part of a team in a fast-paced environment.
* Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint).
* Knowledge of relevant regulatory guidelines and compliance requirements for lending products.