Walk-in || Home Loan Officer

Job description -We are looking for a motivated Branch Banking Sales professional to drive home loan business through branch walk-ins, existing customer relationships, referrals, and local market activities. The role involves identifying prospective customers, understanding their housing finance requirements, and managing the loan process from lead generation through disbursement.Key Responsibilities

• Generate home loan leads through branch banking customers, referrals, walk-ins, and local market activities.
• Build and maintain strong relationships with existing and prospective customers.
• Understand customer requirements and recommend suitable home loan products.
• Achieve assigned monthly and quarterly home loan sales targets.
• Source and develop leads from branch customer databases and relationship managers.
• Coordinate with credit, operations, legal, technical, and processing teams for timely loan approvals and disbursements.
• Collect and verify customer documents as per company policy.
• Follow up with customers throughout the application, sanction, and disbursement process.
• Cross-sell relevant banking and financial products wherever appropriate.
• Maintain accurate records of leads, applications, sanctions, and disbursements.
• Ensure compliance with internal policies, KYC requirements, and regulatory guidelines.
• Conduct local market visits and develop relationships with builders, brokers, property consultants, and other referral partners.
• Provide regular sales reports and pipeline updates to the reporting manager.
• Deliver a high-quality customer experience while maintaining strong business and portfolio quality.

Candidate Profile

• Graduate in any discipline; MBA/PGDM in Sales or Marketing will be an advantage.
• 15 years of experience in home loan, mortgage, banking, NBFC, or financial services sales.
• Experience in branch banking sales or retail asset products preferred.
• Strong customer acquisition and relationship-management skills.
• Good communication, negotiation, and presentation skills.
• Target-oriented and comfortable working in a sales-driven environment.
• Ability to develop business through referrals and local market networking.
• Basic knowledge of home loan documentation, eligibility, credit processes, and property-related requirements is preferred.

Key Performance Indicators (KPIs)

• Monthly home loan disbursement/value.
• Number and quality of new leads generated.
• Login-to-sanction and sanction-to-disbursement conversion.
• Customer acquisition and retention.
• Referral/DSA/builder channel productivity.
• Portfolio quality and compliance.
• Timeliness of follow-ups and application processing.

What We Offer

• Competitive salary and performance-based incentives.
• Career growth opportunities in retail banking and home finance.
• Training on home loan products, credit processes, and sales techniques.
• Opportunity to build a strong career in the banking/financial services sector.