Loan Officer

No detailed description provided.

• Meet with applicants to explain loan products, eligibility criteria, and the application process. • Collect and compile loan application documents, verify completeness and submit them to the authorized approval authority or committee. • Analyze loan applications and conduct field visits to assess collateral and financed projects for feasibility. • Safeguard collateral used for loan guarantees and prepare documentation required for collateral registration. • Monitor the use of disbursed loans through client visits and documentation review. • Monitor loan repayment performance and participate in the recovery of non-performing loans (NPLs). • Negotiate payment arrangements with clients who have delinquent loans. • Prepare documentation for loan rescheduling, refinancing, and restructuring. • Maintain proper filing and documentation of loan records. • Provide technical advice to members applying for loans and conduct credit awareness activities. • Assess borrowers’ repayment capacity and provide recommendations to the Credit Committee. • Prepare loan agreements and ensure implementation of Credit Committee decisions. • Prepare loan provisioning reports for loans in arrears and written-off loans. • Prepare monthly and periodic reports on loan portfolio performance. • Maintain updated documentation of Credit Committee meetings and loan files.