About Company
Empowering financial futures requires precision, empathy, and a keen eye for detail. At Career.zycto, we are dedicated to fostering a supportive environment where our financial professionals truly thrive. We understand that a Loan Officer’s impact extends beyond numbers, directly influencing individuals’ and businesses’ capabilities. Join our team where your analytical skills in credit evaluation and commitment to responsible lending practices will be highly valued. We champion growth, innovative solutions, and a collaborative spirit, making Career.zycto an ideal place for dedicated financial experts to build a rewarding career and make a tangible difference in the Kemnay community.
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Job Description
Are you a meticulous financial professional with a passion for helping individuals and businesses achieve their goals? Career.zycto is seeking a dedicated and experienced Loan Officer to join our dynamic team in Kemnay, Aberdeen. In this pivotal role, you will be responsible for the comprehensive evaluation, processing, and disbursement of various loan products, ensuring adherence to our stringent credit policies and regulatory requirements. This position demands a keen analytical mind, exceptional attention to detail, and outstanding communication skills to guide our clients through the lending process. You will play a crucial part in assessing creditworthiness, managing client relationships, and contributing to the financial well-being of our community. We offer a stimulating work environment where your expertise will be valued, and your career growth supported. If you are committed to delivering exceptional service and possess a deep understanding of financial analysis and risk assessment, we encourage you to apply and become a vital part of our mission to provide accessible and responsible financial solutions. This role is perfect for someone looking to deepen their expertise in credit risk management and client advisory within a forward-thinking organization.
Key Responsibilities
- Conduct thorough credit assessments and financial analysis for loan applicants, evaluating creditworthiness and risk.
- Process loan applications accurately and efficiently, ensuring all necessary documentation is complete and compliant with internal policies and external regulations.
- Communicate clearly and effectively with clients throughout the loan application process, explaining terms, conditions, and requirements.
- Prepare and present loan recommendations to management, detailing analysis and justification for approval or denial.
- Manage and maintain a portfolio of client accounts, fostering strong relationships and identifying potential cross-selling opportunities.
- Ensure all loan disbursements are processed accurately and in a timely manner, adhering to established procedures.
- Stay updated on industry trends, market conditions, and regulatory changes pertaining to lending and financial services.
- Collaborate with internal teams, including legal and compliance, to resolve complex issues and ensure operational excellence.
Required Skills
- Proven experience as a Loan Officer or in a similar credit evaluation role.
- Strong analytical and decision-making skills with a focus on risk assessment.
- Excellent communication and interpersonal skills, both written and verbal.
- Proficiency in financial software and Microsoft Office Suite (especially Excel).
- Thorough understanding of lending regulations, credit policies, and financial products.
- Ability to work independently and manage multiple priorities in a fast-paced environment.
Preferred Qualifications
- Bachelor's degree in Finance, Economics, Business Administration, or a related field.
- Professional certifications in banking or financial services.
- Familiarity with the local Kemnay and Aberdeen market and client base.
Perks & Benefits
- Competitive salary and performance-based bonuses.
- Comprehensive health and wellness benefits package.
- Generous paid time off and holiday allowance.
- Opportunities for professional development and career advancement.
- A supportive and collaborative work environment.
- Company-sponsored training and certification programs.
How to Apply
Interested candidates are invited to submit their application by clicking the link below. Please ensure your CV and cover letter highlight your relevant experience and why you are a great fit for Career.zycto.
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