Loan Specialist

2-4 Years

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Early Applicant

Job Description

Key Responsibilities

Evaluate and process customer loan applications in accordance with credit policies, procedures, and regulatory requirements
Conduct credit analysis, income verification, and risk assessment for customer loans
Process and approve loan documentation in accordance with internal credit policies and regulatory requirements
Process and monitor internal/company loans related to asset acquisitions
Coordinate with internal departments for documentation and approval of company asset loans
Conduct customer interviews to determine borrowing needs and provide suitable loan solutions
Prepare credit appraisal reports and recommendations for approval committees
Monitor loan accounts, repayment schedules, and compliance with approved terms
Assist in resolving loan-related inquiries and issues from customers and internal stakeholders
Coordinate with legal, operations, and risk teams to ensure proper loan documentation and disbursement
Maintain accurate loan records and reports for management and audit purposes
Ensure adherence to internal controls, lending policies, and applicable regulations

Qualifications

Bachelor's degree in Finance, Banking, Accounting, Economics, Business Administration, or a related field
Minimum of 2–4 years of relevant experience in lending, credit analysis, or loan processing within a financial institution

Core Competencies

Strong knowledge of loan products, credit evaluation, and risk assessment principles
Proficiency in financial analysis, including interpretation of financial statements and cash flow analysis
Excellent communication, negotiation, and customer service skills
High level of accuracy, attention to detail, and analytical thinking
Working knowledge of banking regulations, credit policies, and compliance standards
Proficiency in MS Office applications and loan management or core banking systems
Ability to maintain confidentiality and demonstrate high ethical standards