Branch Operations Officer / Teller

Key Responsibilities :

• Loan Application Processing :
• Review mortgage loan applications and assess the eligibility of applicants based on their financial status, credit history, and property details.
• Ensure completeness of documents required for loan processing and disbursement.
• Credit Assessment & Risk Analysis :
• Conduct comprehensive credit evaluations for mortgage applicants, including assessing their income, debt levels, credit scores, and loan repayment capacity.
• Utilize various risk analysis tools and credit models to evaluate the potential risk and profitability of loans.
• Loan Approval / Rejection :
• Make recommendations for the approval or rejection of mortgage loan applications based on creditworthiness, risk analysis, and compliance with company policies.
• Communicate the decisions clearly to clients and work with them to explain the reasons for approval or denial.
• Mortgage Loan Structuring :
• Propose appropriate loan terms, interest rates, and repayment structures tailored to the customer's financial profile and organizational guidelines.
• Customer Interaction :
• Assist customers with mortgage-related queries, ensuring they are well-informed about loan products, eligibility criteria, interest rates, and repayment plans.
• Guide clients through the mortgage process and provide updates on the status of their loan applications.
• Compliance & Regulatory Adherence :
• Ensure all mortgage loan applications comply with internal policies , regulatory requirements , and industry standards.
• Stay updated with the latest regulatory changes and implement them as necessary.
• Collaboration with Sales & Operations :
• Work closely with the sales and customer relationship teams to ensure smooth loan origination and processing.
• Provide support to sales teams in explaining credit policies and loan terms to prospective borrowers.
• Portfolio Management :
• Monitor the performance of the mortgage loan portfolio, including tracking payment delinquencies and defaults.
• Recommend corrective actions or adjustments for any non-performing loans.
• Reporting & Documentation :
• Prepare regular reports on mortgage loan applications, approvals, rejections, and portfolio performance for management review.
• Maintain accurate and up-to-date records for all mortgage transactions.
• Customer Service :
• Provide excellent customer service by addressing concerns or issues raised by clients regarding their mortgage applications or loan servicing.

Skills Required

Branch Management, Team Leadership, Customer Service, Operational Efficiency, Financial Management