Asset Sales Strategist

The role of a Relationship Officer Asset Sales is pivotal in building strong connections between the bank and its customers.

This individual serves as a dedicated point of contact for personalized assistance and guidance, providing tailored solutions to enhance the banking experience.

• Develop and implement sales strategies to achieve growth objectives by collaborating with branch managers and regional managers.
• Establish relationships with customers through defined SOPs of the bank and sell products accordingly.
• Achieve sales targets/objectives in assigned areas with best ethics and moral practices by following SOPs.
• Ensure genuine sales by avoiding family loaning, activist base lending, and adjustment lending.
• Enhance business profitability through sales of loans and customer acquisition by following bank's SOPs and SBPs rules.
• Market company products and develop marketing strategies.
• Possess aptitude for persuasion and negotiation.
• Identify business opportunities by evaluating industry positions and customer profiles.
• Evaluate customer creditworthiness using the five C's of credit.
• Disseminate product terms and conditions to customers.
• Monitor on-track performance by conducting physical verification of prospective clients.
• Ensure proactive collection and timely repayment of loans through communication with clients and adherence to bank's SOPs.
• Handle customer legal documents with care to prevent misuse.
• Guide customers to deposit loan repayments at cash counters only.
• Avoid cash handling of customers while performing RO functions; however, comply with collection manuals in case of field collections.
• Prepare weekly field activity planners and report deviations to line managers.
• Conduct monthly/quarterly meetings with customers as per defined product programs.
• Book loans in compliance with bank policies, procedures, ethics, and standards.
• Continuously review product knowledge and services and recommend improvements based on client feedback.
• Conduct market research to identify new markets and areas of opportunity and review existing markets for final decisions.
• Meet internal service standards and ensure no service-related complaints are received from customers by adhering to fair treatment of customer policy.
• Develop long-lasting customer relationships.
• Report cases of potential fraud or loss to line managers/HOD.
• Comply with bank's product SOPs and SBPs rules to maintain reputation and prevent financial/operational losses.