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Job Summary__________________________________________________________________________
The Loan Consultant is responsible for originating and renewing residential and commercial mortgage loans. The Loan Consultant meets with prospective clients to conduct preliminary research/information gathering needed to make a decision on whether the application is within the scope of underwriting guidelines of the bank.
Responsibilities and Duties ______________________________________________________________
• Client Engagement
- Understand the purpose of loans and current situation of the applicants to examine acceptability of the application.
- Advise the applicants of product that suits their needs.
- Examine submitted documents thoroughly to detect any signs of forgery and fraudulent applications.
• Loan Documentation
- Assess the applicant’s character, repayment capability, credibility, and source of funds.
- Review appraisal report and conduct on-site inspection to determine marketability of the security if necessary.
- Input all required data into Automated Credit Approval System (ACAS) and recommendation into Branch Manager’s opinion to be reviewed by Loan Evaluation Officer for presentation at the Loan Committee Meeting.
• Post Loan Management
- Responsible for renewal of Residential and Commercial mortgage loans, personal loans, personal overdraft, Letter of guarantee, which comprise of sending maturity/renewal notice, preparation of approval of renewal documents, filing signed loan agreements, and renewal fee collection.
- Prepare the application to change conditions of previously approved/disbursed loans.
- Manage daily reports, past due, overdue, insurance/up-to-date financial information.
- Prepare all procedures related to discharge of charge and PPSA.
• Other
- Stay up to date with changing loan regulations, procedures, and promotions to provide quality service and know the market.
- Send letter of instruction to solicitor for loans that are approved.
- Responsible for processing invoices and issuing payments.
- Marketing the bank lending program to mortgage brokers.
- Perform other duties assigned.