Loan Officer - ME / Housing

1. Business Growth: Identify new MSME/ small business enterprises 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 clients for product enhancements and new product requirements.

Gain insight on competitor\\\\\\\'s product offerings for MSME clients and provide feedback to the line manager.

Cross-sell other KMBL products to clients, especially liability products.

2. Service Quality Maintain good relationship with MSME clients and promptly address their queries. Meet internal service standards and ensure no service related complaints are received from customers.

3. Portfolio Management Monitor MSME loans and ensure timely repayment.