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Loan Officer - ME

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Industry:
Banking/Financial Services
Category:
Retail
Total Position:
35+
Job Type:
Full Time/Permanent ( First Shift (Day) )
Department:
Human Resource
Job Location:
All Cities
Gender:
No Preference
Minimum Education:
Masters
Degree Title:
BBA/BBA Agri/B.Com/MBA/M.Com/MA Eco/MSC Agri
Career Level:
Entry Level
Minimum Experience:
Fresh(Prior relevant experience in MSME lending would be a plus)
Apply By:
May 8, 2025
Posted On:
Apr 8, 2025
Job Description

1-Business Growth 

  • Identify new MSME/ small business enterprises & Housing loan prospects in the assigned area. Assess their loan requirements based on customer need and present appropriate loan proposals to the credit committee for approval. · Develop and analyze financial statements of the MSMEs in order to access the financial soundness of the business and his repayment capacity. 
  • Conduct loan appraisal, collect and verify detailed information (personal, business, guaranties and collateral pertaining to MSMEs) to open new MSME loan accounts. · Prepares and execute loan contracts and arrange for disbursement of loan. · Receive feedback of MSME & Housing clients for product enhancements and new product requirements and share with line manager. 
  • Gain insight on competitor's product offerings for MSME& Housing clients and provide feedback to the line manager. 
  • Cross-sell other KMBL products to clients, especially liability products to MSME clients. 

2. Service Quality 

  • Maintain good relationship with MSME & Housing clients and promptly address their queries regarding loan and other banking facilities. 
  • Meet internal service standards and ensure no service related complaints are received from customers.
  • ·Address customer complaints in line with KMBL complaint handling guidelines

3. Portfolio Management 

  • Monitor MSME & Housing loans and ensure their timely repayments. Ensure timely intimation to clients regarding due date and payment amount.
  • Maintain regular contact with MSME clients to monitor their business status and loan utilization so that loan is recovered as per repayment schedule.
  • Ensure timely follow-up with late payment and default customers to resume payments as per repayment schedule. 
  • Make customer aware of the implications of late payments & default in term of penalties and reporting in eCIB

4. Compliance 

  • Conduct, complete and process MSME loan booking / documentation in strict compliance with KMBL’s policies, procedures and ethical standards.
  • Thoroughly review KIM & MSME Procedures to understand products and processes
  • Thoroughly review Prudential Regulations for MFBs to ensure policy compliance

Required Skills

Financial Statement Analysis, Analytical Skills, Field Work, Computer Proficient, Time Management , Communication Skills, Client Acquisition Skills,


We are an equal opportunity employer and value talent diversity at our Bank. We do not discriminate on the basis of age, color, gender, marital status, race, religion, or disability status. Therefore, all qualified candidates are welcomed and encouraged to apply on our positions.
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