Underwriting: The process of assessing a borrower's creditworthiness (Credit), ability to repay (Capacity), and the property's value (Collateral).
Origination: The creation of the loan and the corresponding Mortgage Servicing Rights (MSR).
Servicing: Managing daily loan activities, including collecting monthly payments, managing escrow (taxes and insurance), and handling investor distributions.
2. Key Underwriting Components (The "3 Cs")
Credit: Reviewing FICO scores and payment history to predict future reliability.
Capacity: Evaluating the Debt-to-Income (DTI) ratio—comparing monthly debt obligations against gross income (typically seeking 36% or less).
Collateral: Using appraisals to determine the Loan-to-Value (LTV) ratio—the loan amount divided by the property value. Higher LTVs represent higher risk for the lender.
experience
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Underwriting: The process of assessing a borrower's creditworthiness (Credit), ability to repay (Capacity), and the property's value (Collateral).
Origination: The creation of the loan and the corresponding Mortgage Servicing Rights (MSR).
Servicing: Managing daily loan activities, including collecting monthly payments, managing escrow (taxes and insurance), and handling investor distributions.
2. Key Underwriting Components (The "3 Cs")
Credit: Reviewing FICO scores and payment history to predict future reliability.
Capacity: Evaluating the Debt-to-Income (DTI) ratio—comparing monthly debt obligations against gross income (typically seeking 36% or less).
Collateral: Using appraisals to determine the Loan-to-Value (LTV) ratio—the loan amount divided by the property value. Higher LTVs represent higher risk for the lender.
Key Account Manager<p>Are you a driven sales professional with a knack for building lasting relationships and a passion for achieving ambitious targets? Join our team as a Key Account Manager and play a vital role in expanding our market presence and driving business growth. If you thrive in a dynamic environment and excel at stakeholder engagement, this is the opportunity for you.</p>Responsibilities:<ul><li>Sales and Activity Management:<ul><li>Achieve quarterly and annual sales targets.</li><li>Meet monthly and quarterly fieldwork objectives.</li><li>Maintain and grow business in existing markets and Key Accounts according to potential and company expectations.</li><li>Collaborate with internal stakeholders (trade colleagues) on liquidation and strategic promotions.</li><li>Partner with internal and external stakeholders for tender management.</li><li>Conduct market surveys and report on competitor activities and projects to ZKAM/HO.</li></ul></li><li>Key Account Planning & Management:<ul><li>Identify and target potential Key Accounts, mapping key stakeholders, influencers, decision-makers, and end-users.</li><li>Ensure timely product supply to institutions/stores by coordinating with the supply chain team and stockists/channel partners.</li><li>Maintain financial integrity when proposing discounts, special rates, or product bundling on a case-by-case basis.</li><li>Explore new Key Accounts and list new products in existing ones to foster business growth.</li></ul></li><li>Customer Engagement:<ul><li>Build, manage, and retain internal and external relationships with all stakeholders and influential bodies.</li><li>Relate effectively with individuals at all organizational levels, from the shop floor to CMD/CEO/Head of Institution.</li><li>Build trust and positively influence all stakeholders, both internal and external.</li><li>Address inquiries from internal and external stakeholders.</li><li>Coordinate and execute customer engagement activities with relevant departments to build the market for our products.</li><li>Conduct customer engagement activities in compliance with company principles, internal rules, and applicable legislations.</li><li>Plan and execute patient-centric activities such as CMEs, Webinars, OTOs, RTMs, Ward Meetings, and Clinics in assigned Key Accounts, closely following up with key participants for effective patient uplift.</li><li>Liaise with important stakeholders and institutional purchase committees for product inclusion in the pharmacopoeia and to drive business for existing products in rate contracts.</li><li>Closely monitor outstanding payments and follow up with channel partners and Key Accounts regularly to ensure healthy cash flow.</li></ul></li><li>Administration:<ul><li>Compile and submit fixed formats to ZKAM/HO within the specified timeframe, including monthly/quarterly/yearly projections for sales, activity, and production planning, as well as stamped goods requirements.</li><li>Compile and record sales and activity data monthly.</li><li>Prepare documentation for engagement events.</li><li>Maintain a dynamic and appropriate customer list for business needs each quarter.</li><li>Evaluate new channel partners/service providers for appointment and complete necessary documentation.</li><li>Evaluate CN claims/service charges of channel partners and forward them to HO for approval.</li><li>Actively participate and contribute in all invited internal meetings.</li><li>Build trust and positively influence internal stakeholders for administrative functions.</li></ul></li></ul> <h3>experience</h3>10
Sales Development Representative (SDR) - Eye Care Technology<p>Are you a driven and results-oriented individual with a passion for technology and a knack for connecting with people? We are seeking a motivated Sales Development Representative (SDR) to join our dynamic team and play a pivotal role in generating qualified sales meetings for our sales representatives. This is an exciting opportunity to contribute to pipeline creation across our innovative product suite – MaximEyes, Fast Pay Health, and EVAA – specifically targeting U.S. eye care practices.</p>Responsibilities:<ul> <li>Conduct high-volume outbound outreach via calls, emails, LinkedIn, and other platforms to U.S.-based prospects.</li> <li>Generate qualified meetings and demos for the sales team.</li> <li>Build and manage prospect lists using databases and research tools.</li> <li>Execute structured outreach sequences and cadences to engage potential clients.</li> <li>Maintain daily activity benchmarks, including calls made, emails sent, and meetings booked.</li> <li>Identify high-value target accounts within U.S. healthcare, focusing on optometry and ophthalmology practices.</li> <li>Utilize sales intelligence platforms such as ZoomInfo, Lusha, and LinkedIn Sales Navigator to gather prospect information.</li> <li>Develop a deep understanding of clinic workflows, patient journeys, and operational challenges within eye care practices.</li> <li>Craft persona-based outreach strategies targeting key decision-makers, including practice owners and administrators.</li> <li>Maintain accurate and up-to-date records in our CRM system (HubSpot/Salesforce).</li> <li>Track outreach activity, prospect responses, and meeting conversion rates.</li> <li>Ensure high data accuracy and maintain pipeline hygiene.</li> <li>Collaborate with the marketing team on lead qualification and scoring processes.</li> <li>Develop personalized outreach messaging to enhance response rates and engagement.</li> <li>Continuously refine email templates, call scripts, and outreach sequences.</li> <li>A/B test messaging approaches to optimize performance and drive better engagement.</li> <li>Align messaging with product value propositions and evolving market needs.</li> <li>Work closely with U.S.-based sales representatives to align on target accounts and strategies.</li> <li>Support campaign execution and follow-ups from marketing initiatives.</li> <li>Provide valuable feedback on lead quality, messaging effectiveness, and market insights.</li> <li>Contribute to the improvement of SDR playbooks and outreach processes.</li></ul>Qualifications:<ul> <li>1–4 years of experience in an SDR, BDR, or inside sales role, preferably within B2B SaaS.</li> <li>Experience in outbound prospecting for U.S. markets is preferred.</li> <li>Proven track record of meeting or exceeding outreach and meeting-booking targets.</li> <li>Exposure to healthcare, SaaS, or technology sales is a plus.</li> <li>Strong cold calling and email outreach skills.</li> <li>Experience with CRM tools such as Salesforce, HubSpot, or similar.</li> <li>Familiarity with sales engagement platforms like Outreach or Salesloft.</li> <li>Experience using data tools such as ZoomInfo, 6sense, Lusha, or LinkedIn Sales Navigator.</li> <li>Ability to research accounts effectively and personalize outreach efforts.</li></ul>What We Offer:<ul> <li>{{Remote work allowed}}</li> <li>{{Employment categories}}</li> <li>{{Expected hours of service}}</li> <li>{{Work locations (simple)}}</li> <li>{{Pay rates}}</li></ul>To Apply:<p>If you are a motivated individual seeking a challenging and rewarding role in a growing company, we encourage you to apply. Please submit your resume and cover letter through our careers portal or email us at {{}}.</p><h3>experience</h3>9