Loan Executive
4 weeks ago
A Loan Executive, often known as a Loan Officer or Loan Manager, is a crucial position within financial institutions such as banks, credit unions, or mortgage companies. Their primary responsibility is to assist clients in securing loans for various purposes, including personal, business, or real estate. Here's a comprehensive job description for a Loan Executive:
**Job Title**: Loan Executive
**Job Overview**:
**Key Responsibilities**:
- **Client Consultation**: Meet with clients to discuss their financial needs, evaluate loan eligibility, and recommend suitable loan products.
- **Loan Processing**: Gather and review financial documents, such as tax returns, pay stubs, and bank statements, to assess the borrower's creditworthiness and determine loan feasibility.
- **Loan Structuring**: Structure loan terms and conditions in accordance with lending policies and regulatory guidelines, ensuring clarity and transparency for clients.
- **Compliance**: Ensure compliance with regulatory requirements, such as Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), and Fair Credit Reporting Act (FCRA), throughout the loan origination process.
- **Documentation**: Prepare and review loan documents, including loan agreements, promissory notes, and disclosures, to ensure accuracy and completeness.
- **Relationship Management**: Build and maintain strong relationships with clients, real estate agents, and other industry professionals to generate leads and referrals.
- **Sales Targets**: Meet or exceed sales targets by actively promoting loan products, cross-selling financial services, and leveraging networking opportunities.
- **Risk Management**: Identify and mitigate potential risks associated with loan transactions, such as fraud or default, through thorough due diligence and risk assessment.
- **Continuous Learning**: Stay abreast of industry trends, market conditions, and regulatory changes affecting the lending landscape to provide informed advice and recommendations to clients.
**Job Types**: Full-time, Permanent
Pay: ₹15,912.02 - ₹45,350.74 per month
**Benefits**:
- Cell phone reimbursement
- Paid sick time
- Provident Fund
Schedule:
- Day shift
Supplemental pay types:
- Performance bonus
- Yearly bonus
**Experience**:
- total work: 1 year (preferred)
Work Location: In person
**Speak with the employer**
+91 9769001136
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