Loan Officer – Golden Trust Limited

• Evaluate the creditworthiness of loan candidates by assessing their credit history, income, liabilities and assets
• Assemble and review all required documents from clients like credit reports, tax returns and financial statements
• Decide on the proper loan product and structure as a good fit with the client's particular requirements and financial situation
• Work hand in hand with underwriting teams to assess and review risk attached with loan applications
• Get ready and submit loan applications, making sure there is compliance with regulatory and company policies
• Explain and negotiate loan terms, including the interest rates, collateral, repayment schedules, etc.
• Maintain comprehensive records containing loan related communications, documents and decisions
• Grow a network of referral sources such as financial planners, accountants and real estate agents
• Make available accurate and timely loan reports for management and regulatory reasons
• Help clients fully understand the terms and conditions attached to the loans, including details about fees and penalties
• Be proactive in monitoring the performance of the loan portfolio and spot any potential problem

• Good communication abilities and people skills for interacting well with colleagues and clients
• Exceptional analytical skills to assess creditworthiness of loan candidates
• Keen attention to details for ensuring accuracy and compliance in loan application processing
• Persuasion and negotiation skills to handle clients favorably
• Good organizational skills and time management to handle several tasks and meet deadlines
• Good at using loan related technology and software
• Full grasp of different loan products like commercial loans, personal loans and mortgages
• Able to work well with cross-functional teams like loan servicing and underwriting
• Keen understanding of underwriting, credit analysis and risk assessment measures
• Familiar with pertinent laws, regulations and compliance demands regulating the lending industry
• Can exhibit patience and empathy when handling clients especially when they have unique financial situation

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