Senior Specialist, Personal Lending division

Deadline: 22 July 2024

Employment term: Permanent

Category: Banking/credit

Job type: Full time

Location: Yerevan

Job description:

The incumbent will be responsible for provision of extended consultation to potential borrowers on all types of retail lending products offered to individuals and taking all necessary measures to ensure timely approval and disbursement of loans, to approve the loans wihin the personal approving limit and to present it to Small and Large Credit Committees

Job responsibilities

Review retail loan applications, provide professional conclusions
Submit loan conclusions to the head of unit / Small and Large Credit Committees / Management Board for approval
Provide professional consultation
Underwriting of retail loans
Approving of loans within the personal limit
To be involved in different kinds of Innovation Projects in bank as a Subject Matter Expert
Participate in loan analysis and monitoring
Prepare and submit to authorized bodies conclusions on restructuring loans or reviewing their terms
Provide extended consultation to potential borrowers on all types of retail lending products offered by Retail Banking Department to individuals
Review and check the documents and information provided by clients, assess creditworthiness and borrowing capacity of applicants
Prepare and provide conclusions on the financial standing of clients, submit the credit file to the Credit Committee for approval
Where required make inquiries on clients' credit history to credit bureaus and other agencies
Handle the document flow and credit files of the unit
Collect documents related to loan disbursement and required during loan service and carry out other necessary functions
Substitute the senior specialist and the specialist and perform their duties when the latter are absent
Perform other tasks as assigned by the head of the unit or chief specialist

Required qualifications

University degree in finance, business administration, economics or other related field
At least 2 years of work experience in banking
Knowledge of banking legislation and prudential standards
Strong critical thinking
Team player skills
Profound knowledge of MS Office, proficiency in AS-Bank Operational Day
Excellent command of Armenian, Russian and English

Required candidate level: Senior

Additional information

EMPLOYMENT DETAILS

Full time position, open-ended employment contract; start date: ASAP
Highly competitive package of benefits
Career growth and development opportunities

REMUNERATION: competitive Package of benefits for Ameriabank employees, including annual bonus, insurance, preferential terms for banking services, training and development opportunities, individual professional development plan, etc.

APPLICATION PROCEDURE: Only short-listed candidates will be interviewed.

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