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Loan Officer And Agent - Free Resume Sample

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ARVIND RAWAT

Contact: 999999999 | E-Mail: [email protected]


An Accomplished Loan Officer

Expert in evaluating, authorizing, or recommending approval of commercial, real-estate, or credit loans;advising borrowers on financial status and methods of payments includes mortgage loan officers and agents,collection analysts, loan servicing officers, and loan underwriters


PROFILE SUMMARY

  • Extensive experience of XX years in approving loans within specified limits, and refer loan applications outside those limits to management for approval; meeting with applicants to obtain information for loan applications and to answer questions about the process
  • Skilled in analyzing applicants' financial status, credit, and property evaluations to determine feasibility of granting loans; explaining to customers the different types of loans and credit options that are available,as well as the terms of those services
  • Adept in obtaining and compiling copies of loan applicants' credit histories, corporate financial statements, and other financial information; reviewing and updating credit and loan files; reviewing loan agreements to ensure that they are complete and accurate according to policy
  • Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs; submitting applications to credit analysts for verification and recommendation;handling customer complaints and take appropriate action to resolve them
  • Adroit in negotiating payment arrangements with customers who have delinquent loans; marketing bank products to individuals and firms, promoting bank services that may meet customers' needs; setting-up credit policies, credit lines, procedures and standards in conjunction with senior managers.
  • Proficient in analyzing potential loan markets and develop referral networks in order to locate prospects for loans; preparing reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action; arranging for maintenance and liquidation of delinquent properties

ORGANIZATIONAL EXPERIENCE

Since MM YY | XYZ Ltd, Delhi | Loan Officer
Key Result Areas:
  • Propose appropriate solutions and documents all processes for underwriting transactions and prepare appropriate updates to all credit history
  • Manage network for all real estate professionals and personal contacts and participate in all business development activities
  • Maintain and update knowledge on all products and programs and provide efficient advocacy for all customer; administer all mortgage loans and various specialized loan products
  • Conduct interviews for all applications and recommend modification to paperwork as per requirement
  • Assist to answer all loan services and customer phone calls
  • Resolve all issues and maintain knowledge on all loan servicing procedures
  • Manage all loan payment methods and prepare all loan submission documents
  • Manage all communication with internal departments to facilitate all loan processes
  • Collaborate with funding center and prepare all closing processes and maintain records of all department personnel; monitor all loan applications and documents all underwriting processes
  • Evaluate all credit reports and enter all information for loan approval and manage resolution of all issues
  • Keep proper records and look into customer complaints
  • Arrange for the customers to repay outstanding loans to the bank
  • Increase the loan revenue of the bank and in return increase their own commissions
Key Highlights:
  • Any existing systems/ processes streamlined???? Results obtained????
  • Major assignments handled????
  • Any unique initiative taken to improve customer satisfaction level???? Any major accounts/clients handled???
  • Awards/appreciation letters received???? Other relevant achievements????
MM YY – MM YY | ABCD Ltd, Delhi | Loan Agent
Key Result Areas:
  • Evaluated credit worthiness by processing loan applications and documentation within specified limits
  • Interviewed applicants to determine financial eligibility and feasibility of granting loans
  • Determined all applicable ratios and metrics and set up debt payment plans
  • Communicated with clients either to request or to provide information
  • Justified decisions (approvals/rejections) and report on them
  • Completed loan contracts and counsel clients on policies and restrictions
  • Updated job knowledge on types of loans and other financial services
  • Assessed customer needs, explore all options and introduce different types of loans
  • Developed referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas; maintained and updated account records
  • Gone the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the underwriting process
  • Operated in compliance with laws and regulations and adhere to lending compliance guidelines
Key Highlights:
  • Any existing systems/ processes streamlined???? Results obtained????
  • Major assignments handled????
  • Any unique initiative taken to improve customer satisfaction level???? Any major accounts/clients handled???
  • Awards/appreciation letters received???? Other relevant achievements????

EDUCATION

YYYY B.Com. from ABC College, Delhi

TECHNICAL PURVIEW

  • MS Office – Word, Excel & PowerPoint
  • Internet Applications

PERSONAL DETAILS

Date of Birth: 01st October 1981 | Languages Known: English & Hindi

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