Credit Officer
Executive Search- merojob

Executive Search Service of merojob specializes in recruiting best fit candidate (Usually Senior/Top level Position) for the client organization in various industries. We are also involved throughout more of the hiring process, conducting detailed interviews and presenting candidates to the client organizations selectively. Our process, involves analyzing the need of roles, screening and approaching right candidate, conduct preliminary interviews, facilitating the overall process from interview to selection.

Please be assured that your information are strictly kept confidential with merojob (Executive Search) and any details of your application shall only be shared to client only after proper consent.

On behalf of one of our client we are currently recruiting for the below mentioned position for our client industry.

Credit Officer

Views: 218 | This job expired 2 days, 13 hours ago

Basic Job Information

Job Category : Accounting / Finance
Job Level : Mid Level
No. of Vacancy/s : [ 1 ]
Employment Type : Full Time
Job Location : Kathmandu, Nepal
Offered Salary : Negotiable
Apply Before(Deadline) : Feb. 19, 2020 23:55 (2 days, 13 hours ago)

Job Specification

Education Level : Bachelor
Experience Required : More than or equals to 4 years
Gender : Male
Other Specification

  • Analyze, recommend or authorize commercial, real estate or credit loans
  • Counsel customers on financial aspects and methods of payments
  • Analyze, evaluate and approve or reject loan files
  • Establish appointments with applicants to discuss about loan terms and conditions
  • Analyze financial situation of applicant, determine whether they present a high risk as borrowers
  • Provide information and explain customers the different type of loans and credit options available
  • Determine suitable products or services that will meet the customer&needs
  • Maintain, review and update credit and loan files
  • Establish repayment schedule
  • Assist and support customers in obtaining mortgage loans
  • Negotiate with customers who have delinquent loans
  • Sell high quality bank products and services to customers
  • Assist in establishing and implementing marketing and promotion techniques
  • Establish and maintain good long term relationships with banking staff, partners and customers
  • Supervise loan personnel
  • Analyze loan markets and identify new loan opportunities
  • Ensure compliance with banking policies and the involved terms and conditions
  • Ensure compliance with local, national loan policies, standards and regulations


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 bank products to individuals and firms, promoting bank 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.
  • Petition courts to transfer titles and deeds of collateral to banks

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