Loan Officer- ME & Housing

Business Growth

• Identify new MSME/ small business enterprises & Housing loan prospects 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 & Housing clients for product enhancements and new product requirements and share with line manager.
• Gain insight on competitor\'s product offerings for MSME& Housing clients and provide feedback to the line manager.
• Cross-sell other KMBL products to clients, especially liability products to MSME clients.

Service Quality

• Maintain good relationship with MSME & Housing clients and promptly address their queries regarding loan and other banking facilities.
• Meet internal service standards and ensure no service related complaints are received from customers.
• Address customer complaints in line with KMBL complaint handling guidelines

3. Portfolio Management

• Monitor MSME & Housing loans and ensure their timely repayments. Ensure timely intimation to clients regarding due date and payment amount.
• Maintain regular contact with MSME clients to monitor their business status and loan utilization so that loan is recovered as per repayment schedule..
• Ensure timely follow-up with late payment and default customers to resume payments as per repayment schedule. Make customer aware of the implications of late payments & default in term of penalties and reporting in eCIB

4. Compliance

• Conduct, complete and process MSME loan booking / documentation in strict compliance with KMBL’s policies, procedures and ethical standards.
• Thoroughly review KIM & MSME Procedures to understand products and processes.
• Thoroughly review Prudential Regulations for MFBs to ensure policy compliance.

Communication Skills, Portfolio Management, Handling Customer Interactions, Retail Products Knowldge, Marketing Sale,