Loan Officer

As a Loan Officer, you will be required to demonstrate excellent communication skills in English and work night shifts from 9:00 pm to 6:00 am at the office. Your primary responsibilities will include assessing loan applications, evaluating the creditworthiness of borrowers, and managing the loan portfolio. In the role of Loan Officer, you will be responsible for processing loan applications by collecting and verifying necessary documentation from borrowers, such as income statements, proof of address, and credit reports. You will analyze financial data to evaluate the creditworthiness of borrowers and prepare loan proposals for review by credit committees or managers. Moreover, you will ensure that all necessary approvals are obtained before disbursing loans and coordinate with other departments, such as legal and operations, to complete the loan disbursement process. You will also identify and address potential risks associated with the loan portfolio and ensure compliance with applicable banking regulations and guidelines. To qualify for this position, you should hold a Bachelor's degree in finance, economics, or a related field. Additionally, you should have a strong understanding of loan products and lending processes, excellent communication and interpersonal skills, analytical and problem-solving abilities, negotiation and persuasion skills, and good knowledge of banking regulations and compliance requirements. Proficiency in using computer applications, including loan processing software, is also required. In terms of customer acquisition, you will actively seek out potential borrowers through various channels, including networking, cold calling, and referrals. You will educate customers about different loan products and their terms and conditions while building and maintaining strong relationships with customers to foster long-term loyalty.,