Premium Banking Loan Officer

Responsibilities

• Initiate the loan application process, i.e. assess the borrowing capacity and creditworthiness of clients according to the established criteria
• Whenever required, gather the necessary documents of the individual client and provide them to the Business Lending Officer(s) to obtain analyzed information about the client’s income in cases where the client’s income is generated from business
• Whenever required and upon instruction by the line manager, also perform proper assessment of the borrowing capacity and creditworthiness of legal entity/private entrepreneur clients under the supervision of a Loan Officer(s) - Business Lending, in accordance with the standards set forth in the internal regulations of…
• Make inquiries to relevant information bureaus to collect other information necessary for assessment of the client’s credit history and borrowing capacity, provided that the client’s consent for making the inquiry issued in the manner prescribed by the applicable procedure is available
• Review the documents and/or information provided by the client and compare them with the established criteria and minimum requirements
• Organize assessment of the property pledged as collateral and make a visit to the property to inspect it personally
• Prepare and submit a professional loan opinion
• Submit the loan application to the stakeholders for consideration and opinion
• Organize and coordinate disbursement of the approved loan, gather the necessary documents, provide them to the stakeholders
• Organize generation of loan, pledge and guarantee agreements and subsequent verification thereof by the Bank and the client

Languages

Required

• Education: Higher education in business administration, finance, accounting, economics
• Proficiency in MS Word, Excel, AS-Bank 4.0 Operational Day

Nice to have

• Relationship management and communication
• Excellent command of Armenian, Russian and English

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