Loan Officer

Hua Nan Commercial Bank, Ltd.; Metro Manila; On-site; PHP 480,000 - 600,000; Full time

Job summary

Hua Nan Commercial Bank, Ltd. seeks a diligent Credit and Loan Analyst to assess applicants’ financial status, review loan terms, and prepare accurate reports for supervisors. The role focuses on evaluating credit risk, property valuations, and ensuring compliance with bank policies.

The successful candidate will market bank products, build referral networks, and collaborate with underwriters to resolve mortgage issues while delivering excellent customer service to individuals and firms.

Qualifications

• Credit and loan analysis skills required.
• Marketing skills required.
• Bachelor’s degree in Finance, Banking or related field.

Responsibilities

• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Analyze applicants' financial status, credit, and property evaluations and provide reports for supervisor to determine feasibility of granting loans.
• Review loan agreements to ensure completeness and accuracy; compute payment schedules.
• Stay abreast of new types of loans and other financial services to better meet customers' needs.
• Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
• Work with clients to identify financial goals and how to reach those goals.
• Confer with underwriters to aid in resolving mortgage application problems.
• Submit applications to credit analysts for verification and recommendation.
• Explain to customers the different types of loans and credit options available, and the terms of those services.
• Prepare loan-related reports to send to local regulators and Head Office.

Skills

Credit analysis

Marketing skills

Education

Bachelor’s degree in Finance/Banking

Job description

• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Analyze applicants' financial status, credit, and property evaluations and provided report for supervisor to determine feasibility of granting loans.
• Review loan agreements to ensure that they are complete and accurate according to policy. Compute payment schedules.
• Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.
• Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
• Work with clients to identify their financial goals and to find ways of reaching those goals.
• Confer with underwriters to aid in resolving mortgage application problems
• Analyze potential loan markets and develop referral networks in order to locate prospects for loans.
• Negotiate payment arrangements with customers who have delinquent loans.
• Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
• Arrange for maintenance and liquidation of delinquent properties.
• Submit applications to credit analysts for verification and recommendation.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Prepare and submit loan related reports to send to local regulators (BSP…) and H.O.
• Other duties assigned by the Manager.

QUALIFICATIONS:

• Credit and Loan Analyst Skills, Marketing Skills.
• Bachelor’s degree in Finance, Banking or a related field.