Ameriabank CJSC

Loan Officer - Individual Lending, Yerevan branch network

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Deadline: 25 June 2024

Employment term: Permanent

Category: Banking/credit

Job type: Full time

Location: Yerevan

Job description:

The Loan Officer is responsible for loan disbursement to individuals and further maintenance.

Job responsibilities

Identify the needs of individual clients related to loan products, provide enhanced consultation to clients
Initiate the loan application process and assess the borrowing capacity and creditworthiness of clients according to the established criteria
Gather the necessary documents of the individual client and provide them to the Business Lending Officer(s) to obtain analyzed information about the client’s income in cases where the client’s income is generated from business
Review the documents and/or information provided by the client and compare them with the established criteria and minimum requirements
Organize assessment of the property pledged as collateral and make a visit to the property to inspect it personally
Prepare and submit a professional loan opinion
Submit the loan application to the stakeholders for consideration and opinion
Organize and coordinate disbursement of the approved loan, gather the necessary documents, provide them to the stakeholders
Conduct ongoing monitoring and maintenance of the loans issued by himself/herself and other Loan Officers; where necessary, in the event of restructuring of disbursed loans, provide the required information and organize the respective process
Keep track of timely repayment of loans and report to the relevant units in case of default

Required qualifications

University degree in finance, accounting or economics (ACCA, MBA will be a plus)
At least 1 year of work experience as a Loan Officer
Proficiency in Microsoft Office; knowledge of AS Bank 4.0 will be a plus
Good command of Armenian, Russian and English
Knowledge of banking and civil legislation, banking and accounting
Analytical thinking
Excellent communication skills
Attention to detail
Ability to work in a team
Ability to make decisions under pressure and handle stressful situations

Required candidate level: Not defined

Additional information

BENEFIT PACKAGE

• Full time position, open-ended employment contract; start date: ASAP

• Highly competitive package of benefits

• Career growth and development opportunities

REMUNERATION: Competitive

Benefit package applicable to Ameriabank CJSC employees including but not limited to annual bonus, insurance package, banking services with special rates, wide range of trainings and individual professional development plan, etc.

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