Loan Officer

6 days ago

Iloilo City, Philippines PEN BANK Full time

Overview A Loan Officer is responsible for evaluating, authorizing, and recommending approval or denial of loan applications. They work with individuals, businesses, or organizations to assess their financial situation, help them select appropriate loan products, and guide them through the application process. Responsibilities Loan Evaluation: Review loan applications, credit reports, and financial documents to assess applicants' creditworthiness and determine eligibility for loans. Client Consultation: Meet with clients to understand their financial needs and explain loan options, terms, and conditions. Loan Processing: Coordinate with underwriters and other departments to ensure loan documents are complete and accurate, and facilitate timely processing. Risk Assessment: Analyze financial data, including income, debt, and credit history, to determine risk factors and recommend suitable loan products. Regulatory Compliance: Ensure all loan procedures comply with federal and state regulations, industry standards, and company policies. Customer Service: Maintain relationships with clients throughout the loan process, providing updates and answering questions as needed. Sales: Promote and sell loan products to potential clients, meeting sales targets as set by the company. Documentation: Prepare and maintain accurate loan documentation, ensuring all forms and agreements are completed correctly. Follow-Up: Monitor loan repayment schedules and assist with collections or modifications when necessary. Qualifications Bachelor’s degree in Finance, Business, or related field (preferred) Proven experience as a loan officer or in a similar financial role Strong knowledge of loan products, financial regulations, and credit analysis Excellent communication, negotiation, and interpersonal skills Ability to work with diverse client needs and maintain confidentiality Detail-oriented with strong analytical and problem-solving skills Licensing (if required by state or company) Analytical Skills Attention to Detail Communication Skills Sales Skills If the position requires you to work overseas, please be vigilant and beware of fraud. If you encounter an employer who has the following actions during your job search, please report it immediately: withholds your ID, requires you to provide a guarantee or collects property, #J-18808-Ljbffr

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