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 assess the financial soundness of the business and his repayment capacity.
• Conduct loan appraisal, collect and verify detailed information (personal, business, guarantees, and collateral pertaining to MSMEs) to open new MSME loan accounts.
• Prepares and executes loan contracts and arrange for the disbursement of loans. 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 a 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.

Retail Loans, Market Knowledge, Business Development Strategies, Negotiation Skills, Communication Skills, Client Service Oriented, Time Management ,