Credit Head

IME Co-operative Service Limited (IMECSL) was established in 2067 as the National Level Pioneer Co-operative with a strong belief in contributing to the economic growth of the country, providing services and empowerment to all groups and sectors of society. It was founded by financial institutions, corporations, trade and industry promoters with a strong background. The Cooperative envisions becoming a dominant player in the Nepalese co-operative as well as the financial industry.

Since its inception, the co-operative has completed years of journey. The co-operative has dedicated itself to continually striving to achieve its objectives by leading the banking sector on all fronts expanding footprint inside and outside the region and targeting under-served or future areas of business, such as SMEs. We have a 12 Branches Network, 7000+ Members and 100 employees. Co-operative infrastructures and processes have been reshaped and restructured to provide a high level of compliance.

Success relies on factors, such as professional treatment and consultation. The co-operative is, therefore, built upon a collection of higher values and moral principles. Our team of experienced finance and management experts are committed to building an organization that is willing to meet the needs of everyone, whether large or small.

IME Co-operative Service Limited (IMECSL) was established in 2067 as the National Level Pioneer Co-operative with a strong belief in contributing to the economic growth of the country, providing services and empowerment to all groups and sectors of society. It was founded by financial institutions, corporations, trade and industry promoters with a strong background. The Cooperative envisions becoming a dominant player in the Nepalese …

Credit Head

Views: 2549 | This job is expired 8 years, 2 months ago

Basic Job Information

Job Category : Banking / Insurance /Financial Services
Job Level : senior
No. of Vacancy/s : [ 1 ]
Job Location : Kathmandu
Offered Salary : None
Apply Before(Deadline) : Aug. 22, 2016 00:00 (8 years, 2 months ago)

Job Specification

Education Level : Under Graduate (Bachelor)
Experience Required : Not Required
Other Specification
  • Should have atleast 4 years of experience in related field
  • Should be fully acquainted with overall banking including credit & operations functions.
  • Should possess knowledge of NRB Directives, prevailing laws applicable to financial sector and prevailing accounting standards.
  • Should possess excellent business communication, financial analysis and interpersonal skills. 

Job Description

  •  
  • Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
  • Meet with applicants to obtain information for loan applications and to answer questions about the process.
  • Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
  • Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
  • Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
  • Review and update credit and loan files.
  • Review loan agreements to ensure that they are complete and accurate according to policy.
  • Compute payment schedules.
  • Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.
  • Submit applications to credit analysts for verification and recommendation.
  • Handle customer complaints and take appropriate action to resolve them.
  • Work with clients to identify their financial goals and to find ways of reaching those goals.
  • Confer with underwriters to aid in resolving mortgage application problems.
  • Negotiate payment arrangements with customers who have delinquent loans.
  • Market Co-operative's loan products to individuals and firms, promoting Co-operative services that may meet customers' needs.
  • Supervise loan personnel.
  • Set credit policies, credit lines, procedures and standards in conjunction with senior managers.
  • Provide special services such as investment banking for clients with more specialized needs.
  • Analyze potential loan markets and develop referral networks in order to locate prospects for loans.
  • Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
  • Arrange for maintenance and liquidation of delinquent properties.
  • Interview, hire, and train new employees for credit departiment.
  • Petition courts to transfer titles and deeds of collateral Institution.

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