Individual Loan Officer_Noragavit Branch

Ameriabank CJSC

Armenia · On-siteSalary not disclosedfull-timeAmeriabank CJSC Careers

The Loan Officer is responsible for loan disbursement to individuals and further maintenance.

Responsibilities

Identify the needs of individual clients related to loan products, provide enhanced consultation to clients
Initiate the loan application process and assess the borrowing capacity and creditworthiness of clients according to the established criteria
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
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
Conduct ongoing monitoring and maintenance of the loans issued by himself/herself and other Loan Officers; where necessary, in the event of restructuring of disbursed loans, provide the required information and organize the respective process
Keep track of timely repayment of loans and report to the relevant units in case of default