HOME LOAN RELATIONSHIP MANAGER

Job Description: Home Loan Relationship Manager Real EstatePosition

Home Loan Relationship Manager

Department

Sales / Customer Finance / Home Loan Desk

Industry

Real Estate

Experience

26 years in home loans, mortgage sales, banking, NBFC, housing finance, or real estate customer finance.

Job Summary

We are looking for a customer-focused and target-oriented Home Loan Relationship Manager to manage the home loan requirements of customers purchasing residential properties.

The role will be responsible for coordinating with customers, banks, NBFCs, and internal sales teams to facilitate the complete home loan processfrom initial eligibility assessment and documentation through sanction and disbursement.

The candidate will also be responsible for building strong relationships with lending partners, improving loan conversion rates, and ensuring a smooth customer experience.

Key Responsibilities1. Customer Relationship Management

Understand customers' home loan requirements and financial profiles.Explain available home loan options, eligibility criteria, interest rates, tenure, and documentation requirements.Assist customers in selecting suitable lending options based on their requirements.Maintain regular communication with customers throughout the loan process.Address customer queries and resolve loan-related issues promptly.2. Home Loan Processing

Manage the complete home loan journey from application to disbursement.Collect and verify required customer documents.Coordinate with banks/NBFCs for login, credit assessment, sanction, and disbursement.Track applications and ensure timely movement of files through different stages.Follow up on pending documentation, credit queries, legal/technical requirements, and sanction conditions.Ensure timely disbursement in coordination with the customer and internal teams.3. Real Estate Sales Coordination

Work closely with the property sales team to identify customers requiring home loan assistance.Attend customer meetings and property-site visits when required.Provide loan eligibility support to prospective buyers.Help sales teams understand customers' financing capabilities.Support the sales team in improving booking-to-disbursement conversion.Ensure loan-related concerns do not delay property transactions.4. Bank & NBFC Relationship Management

Maintain strong working relationships with banks and housing finance companies.Coordinate with relationship managers, credit teams, legal teams, and operations teams of lending institutions.Negotiate and facilitate preferential processing wherever applicable.Maintain an updated understanding of lender policies, products, rates, and eligibility criteria.Identify suitable lending partners for different customer profiles.5. Loan Eligibility & Financial Assessment

Conduct preliminary home loan eligibility assessments.Review customer income, employment/business profile, existing liabilities, credit history, and required loan amount.Calculate approximate eligibility and EMI requirements.Identify potential documentation or eligibility issues at an early stage.Recommend appropriate lender options based on customer profiles.6. Documentation & Compliance

Ensure accurate collection and submission of KYC, income, banking, property, and other required documents.Coordinate with internal legal/CRM teams and lenders for property-related documentation.Maintain proper records of loan applications and customer communication.Ensure all processes comply with applicable company and lender policies.7. Sales & Business Development

Achieve monthly targets for home loan applications, sanctions, and disbursements.Generate business through property sales leads, referrals, existing customers, and lending partners.Track loan conversion ratios and identify opportunities to improve performance.Promote relevant financial products offered through approved lending partners.Develop relationships with customers and referral sources to generate repeat business.Key Performance Indicators (KPIs)

Home loan applications loggedSanction valueDisbursement valueLoan conversion rateBooking-to-loan conversionAverage turnaround timeApplication-to-sanction ratioSanction-to-disbursement ratioCustomer satisfactionPending application ageingBank/NBFC partner productivityMonthly business achievementRequired Skills

Strong knowledge of home loans and mortgage processes.Understanding of banking/NBFC lending practices.Good knowledge of home loan eligibility and documentation.Strong customer relationship and communication skills.Good negotiation and follow-up skills.Ability to coordinate with multiple stakeholders.Target-oriented and commercially driven approach.Good knowledge of MS Excel and CRM systems.Strong problem-solving and organizational skills.Educational Qualification

Bachelor's degree in Business Administration, Finance, Commerce, Marketing, or a related field.MBA/PGDM in Finance, Sales, or Marketing is an advantage.Preferred Experience

Candidates with .