फ्री विज्ञापन पोस्ट करें
Loan Officer Ujjivan Financial Services Pvt. Ltd
सम्पूर्ण जानकारी:
| Tags | Loan officer |
|---|---|
| Ads Print Type | Online |
| Experience | 3 year- 5 years |
| Salary | 2 Lacs - 5 Lacs |
| Type of Job | Full Time |
| Company Name | Ujjivan Financial Services Pvt. Ltd |
| Function | Finance & Accounts |
| Designation | Loan Officer |
| Education | Graduate |
| Willing To Relocate? | Yes |
| Type of Company | Company |
| State | Gujarat |
| City | Vadodara |
| Location | Gotri |
विज्ञापन विवरण :
Compliance and management Carries out the pre and post-loan activities related to the Individual loans, meaning: acquisition of new clients and maintenance of renewal clients, financial analysis, presenting the loan applications to the Sanctioning Committee, portfolio administration, prioritizing the repayment of loans to preserve the portfolio quality.
Promotion - Promotes new potential clients and eligible GL clients offering the Individual Lending products
Loan Appraisal
Informs potential clients about the requirements, conditions of the Individual Loans products, the procedures to obtain a loan, the importance of the payments on time, the penalties system in case of not paying on time, insurance, etc
Makes sure that the client meets the requirements.
Set's an appointment with the client for the assessment and visits the client on time.
Visits the client's business and home to do the assessment, following the "Operations Manual" procedures. Analyzes and evaluates the loan applications, to determine the situation of the business, establish the risks, determine the capacity of repayment, the financial ratios, and the adequate loan amount for the client's needs, etc. and also evaluate the family situation and stability, consider the collateral that will guarantee the loan.
Visits the guarantor, explains about his/her role during the loan term.
Analyzes and presents a consistent loan proposal to the Credit Committee for its approval.
Informs the client about the Credit Committee decision.
Follow up
Follows the loan disbursement process.
In case of arrears visits clients and guarantors for the loan recovery and coordinates with IL Program Manager the cases in arrears 90 days for legal procedure
Informs the Senior Loan officer or IL Program Manager about the demand in his/her assigned area as well as on the competition.
Makes a close follow up of the disbursed loans.
Promotion - Promotes new potential clients and eligible GL clients offering the Individual Lending products
Loan Appraisal
Informs potential clients about the requirements, conditions of the Individual Loans products, the procedures to obtain a loan, the importance of the payments on time, the penalties system in case of not paying on time, insurance, etc
Makes sure that the client meets the requirements.
Set's an appointment with the client for the assessment and visits the client on time.
Visits the client's business and home to do the assessment, following the "Operations Manual" procedures. Analyzes and evaluates the loan applications, to determine the situation of the business, establish the risks, determine the capacity of repayment, the financial ratios, and the adequate loan amount for the client's needs, etc. and also evaluate the family situation and stability, consider the collateral that will guarantee the loan.
Visits the guarantor, explains about his/her role during the loan term.
Analyzes and presents a consistent loan proposal to the Credit Committee for its approval.
Informs the client about the Credit Committee decision.
Follow up
Follows the loan disbursement process.
In case of arrears visits clients and guarantors for the loan recovery and coordinates with IL Program Manager the cases in arrears 90 days for legal procedure
Informs the Senior Loan officer or IL Program Manager about the demand in his/her assigned area as well as on the competition.
Makes a close follow up of the disbursed loans.
