Loan Officer (Fintech) at Kredi Bank

Job Overview:

• We are seeking diligent and customer-focused Loan Officers to evaluate, authorize, and recommend approval of loan applications. The Loan Officer will play a critical role in helping clients access financial services while minimizing risk for the organization.

Key Responsibilities:

• Actively source potential clients through fieldwork, referrals, and digital channels.
• Interview loan applicants to determine financial eligibility and feasibility of granting loans.
• Evaluate the creditworthiness of applicants by processing loan applications and financial information.
• Perform risk assessments and analysis to determine loan terms and interest rates.
• Present loan proposals to management for approval where required.
• Monitor and manage a portfolio of existing loans to ensure timely repayment and resolve defaults when necessary.
• Advise clients on financial products, terms, and repayment plans.
• Maintain accurate records of loan applications, approvals, rejections, and disbursements.
• Ensure compliance with company policies, lending procedures, and regulatory requirements.
• Provide excellent customer service throughout the loan process.

Qualifications:

• Bachelor's degree in Finance, Business Administration, Economics, or related field.
• Proven experience as a loan officer, credit analyst, or similar role (experience in microfinance, fintech, or traditional banking is a plus).
• Strong understanding of lending procedures, credit risk analysis, and financial documentation.
• Good negotiation and interpersonal skills.
• Excellent written and verbal communication abilities.
• High attention to detail and analytical skills.
• Ability to work under pressure and meet deadlines.
• Proficiency in Microsoft Office and familiarity with loan management software (LMS) is an advantage.

Key Competencies:

• Financial analysis and credit evaluation.
• Risk management.
• Customer service excellence.
• Problem-solving and decision-making.
• Organizational and time management skills.

Compensation:

• Competitive salary.
• Performance-based incentives and bonuses.
• Health insurance and other standard benefits.
• Career growth and training opportunities.