Senior Loan Processing Officer

3 weeks ago

Mumbai, India Acaipl Investment & Financial Services Private Lim Full time

Job Description:

As a Loan Officer for our NBFC company, you will be responsible for evaluating loan applications, assessing the creditworthiness of applicants, and ensuring compliance with regulatory requirements. You will play a crucial role in managing the credit risk of the organization while facilitating the growth of our loan portfolio.

- Review loan applications submitted by individuals or businesses, analyze financial information, credit histories, and collateral to determine the feasibility of granting loans.

- Assess the creditworthiness of loan applicants by analyzing financial statements, credit reports, and other relevant information. Evaluate risk factors and make informed decisions on loan approvals or rejections.

- Structure loan terms and conditions based on the borrower's financial situation, risk profile, and the company's lending policies. Determine appropriate interest rates, repayment schedules, and loan amounts.

- Ensure compliance with regulatory requirements, company policies, and industry best practices in lending and credit operations. Stay updated on changes in regulations affecting lending activities.

- Build and maintain relationships with borrowers, providing assistance and guidance throughout the loan application process. Address customer inquiries, resolve issues, and ensure a positive customer experience.

- Monitor loan portfolios to identify potential risks and take proactive measures to mitigate them. Implement risk assessment techniques and strategies to maintain a healthy loan portfolio.

- Prepare loan documentation, including loan agreements, promissory notes, and other legal documents. Maintain accurate records of loan transactions, payments, and communications with borrowers.

Qualifications and Skills:

- Candidate must be CA qualified.

- Strong understanding of financial statements, credit risk assessment techniques, and lending principles.

- Knowledge of regulatory requirements and compliance standards governing lending activities.

- Effective communication and interpersonal skills for interacting with borrowers, colleagues, and regulatory authorities.

- Attention to detail, organizational skills, and the ability to manage multiple tasks simultaneously.

(ref:iimjobs.com)

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