Overview

Job Title: Loan Officer

Responsibilities:

Loan

  • Maintain solid relationships with arrangers in order to get invitations to syndication loan deals.
  • Participate lenders’ meetings / meet with applicants to obtain information for loan applications and to answer questions about the process when asked.
  • Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
  • Obtain and compile copies of loan applicants’ credit histories, corporate financial statements, and other financial information.
  • Analyze customers’ financial status, credit, and property evaluations to determine feasibility of granting loans.
  • Refer loan applications outside those limits to Head Office for approval.
  • Review loan agreements to ensure that they are complete and in compliance with major terms.
  • Review and update credit and loan files.
  • Stay abreast of new types of loans and other financial services and products in order to better meet customers’ needs.

Loan Review

  • Collect the borrower’s financial information (ex.10Q, 10K), Compliance information, outstanding borrowing amount, updated rating change and stock price.
  • Analyze and review information above, included latest events, whether pursue the requirements in the agreement.
  • Filing those collected compliance document for future review.
  • Review the borrower’s case follow by the schedule which already reported to H.O. in the end of last year and update the schedule by adjusted review schedule
  • Generate the loan review schedule for next following fiscal year.
  • Loan Review – Initial Review
– Collect the FGBS voucher from Loan Administration.
– Collect the effective date notice and the copy of facility approval from H.O through responsible Loan Officer
– Input the mentioned provided information to Initial Loan Review Checklist
  • Loan Review (twice/per year) – Loan Review Report
– Update the outstanding amount of current facility
– Update credit rating
– Special attention to Goodwill impairment if it occurs
– Update the financial information including the change of ratio and any business news affect the B/S and I/S of the Company
  • Forward the adjusted loan review schedule and monthly review progress report to H.O. Credit Management Department.

 

Job Order ID: 1233