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Job Position   :   Loan Executive/Officer  

Job Location:Dhangadi/Tikapur/Nepalgunj/Chitwan/Butwal
No. of Vacancies:5
Experience:1-2 years in relevant feild
Job Category:Banking / Financial Services
Job Type:Full Time
Job Level:Mid Level
Salary:Negotiable
Educational Qualification:BBA/BBS
Posted Date:2017-02-07
Expiry Date:2017-03-25 - 28 Days Left
Job Description:

Any other jobs assigned by Supervisor

  • Identify the potential customer through personal visit to dealers, phone call and reference of existing customers
  • Keep track record of every customer visit and report to immediate supervisor.
  • Provide genuine information about company's products and services as well as new schemes to the potential customers.
  • Build good rapport with all potential customers and persuade them to do the business with company
  • Assist potential customers to fill up application forms and complete other procedures
  • Prepare individual files for each customer and submit it to the Head-MIPL.
  • Fill the Loan appraisal form as per the guidelines.
  • Visit the customer’s residence and site for verification of compliance of requirement.
  • Regularly follow up on the states of the loan file and communicate it to the Business- Head
  • Ensure the client pays all the fees and charges in the cash counter before loan disbursement.
  • Prepare and submit monthly reports- Monthly Plan, Daily Activities Reports, Loan Files and Customer in Hand etc.
  • Identify the major defaulters from the database and prioritize them.
  • Monitor the loan accounts and track the repayments received, so that they don’t become irregular.
  • Make reminder calls to all the clients provided in the list about the due date and installment amount.
    • Identify the attitude and behavior of the clients towards the repayment of loan and correspond them accordingly
    • Regular follow up incase of default in payment of installment.
    • Issue the first caution letter to the client and handover it in case of installment getting overdue between of 31 - 60 days
    • Inform guarantor regarding the installment due.
    • If necessary fix up a meeting with the client for further negotiation
    • Issue the second caution letter as well as 7 days notices for repossession if the due date meets 61-90 days. Visit the location of defaulter clients & handover the same if necessary
Job Specifications:
Outstanding communication ( written and oral) and interpersonal skills
-Capacity to work both as an individual and as a team.
-Excellent organisational and time management ability.
-Highly self motivated, willing to learn and quick adaptation -to new processes within less time frame.
-Basic computer knowledge with MS-Office , Outlook and effective browsing 
 

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