Job Role: Gold Loan Officer
Job Purpose:To ensure quality of customer service, gold collateral / asset quality & Process adherence, there by achieving growth the objectives of the organization. (1. Customer service - TAT for servicing a client, 2. Client retention – to reduce attrition, 3. Cross sales – to grow portfolio size)
Functional Responsibilities:To conduct valuation and verification of gold ornaments with respect to weight, purity & Detect spurious, low purity gold and frauds to mitigate the risk.Ensure that proper KYC and other prescribed documentation process is followed before and after the disbursement of loanAdhere the Policy, Process & other guidelines of the bank. Improve the existing process to overcome the probable risk.Maintaining the TAT in the timely disbursement of Gold loan.Retention of customers / portfolio by meaningful engagement time to time.Secure safe room operations, security measures, day to day working of branch.Follow up with the customer for timely interest collection, repayment and reduce NPA to zero.Compliance of internal audit matters. Close the issues pointed out in in audit with in the TAT.Cross Sell of other products / services of the bank.Maintain liaison with Gold loan department/ Departments in Zonal/ Head Office for speedy resolution of problems faced by branch