Conducts branch loan processing according to credit policies and processes and service level standards.
Reviews loan agreements to ensure completeness and accuracy according to policy (e.g. payment schedule and computations).
Approves loans within specified limits and refers loan applications outside those limits to higher approving authorities for approval.
Coordinates with Head Office for loan payment processing and release; facilitates loan proceeds releasing to borrowers; conducts necessary follow-ups to ensure timely release.
Attends to issues/ client complaints on loan processing and consults with the credit approval hierarchy (i.e. Senior Loan Officer, Credit Manager, VP Credit) for special cases outside current policy provision or level of authority.
Collaborates with Collection team in addressing and minimizing delinquent accounts within his/her branch loan portfolio
Identifies areas for process/ policy improvements in accordance with customer needs and company's requirements; provides input to management.