About Company
Are you driven by the opportunity to empower individuals and businesses through financial solutions? At Career.zycto, we believe in fostering an environment where a Loan Officer – Credit Evaluation & Disbursement professional can truly thrive. We’re a dynamic organization committed to connecting top talent with leading financial institutions across the UK. For a Loan Officer, this means access to diverse client portfolios, robust support systems, and a culture that values meticulous credit assessment and impactful disbursement strategies. Join us and shape the financial futures of our community.
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Job Description
Career.zycto is seeking a meticulous and dedicated Loan Officer with a strong focus on Credit Evaluation and Disbursement to join our client’s thriving team in Leicester. This pivotal role involves managing the full lifecycle of loan applications, from initial assessment and in-depth credit analysis to final disbursement and ongoing client support. You will be instrumental in ensuring the financial well-being of our clients while rigorously safeguarding the institution’s assets through sound, compliant lending practices. This position offers a unique opportunity to directly impact the local economy by facilitating access to crucial funding for individuals and businesses aiming to achieve their financial aspirations.
The ideal candidate will possess an acute understanding of complex financial statements, credit reports, and advanced risk assessment methodologies. You’ll be responsible for conducting thorough due diligence, meticulously verifying applicant information across various data points including employment history, income stability, and asset valuation, ensuring both accuracy and completeness in every application. Furthermore, you will be tasked with preparing detailed, persuasive loan proposals and presenting your findings to senior credit committees, justifying approvals or judiciously denying applications based on established guidelines, internal policies, and stringent regulatory compliance. Beyond the analytical rigor, this role demands exceptional interpersonal skills to build rapport and trust with applicants, clearly and empathetically communicate complex lending terms, and guide them through what can often be a daunting application process with professionalism and support.
We are looking for a proactive professional who thrives in a dynamic, fast-paced environment, capable of managing multiple intricate cases concurrently while maintaining an unwavering commitment to accuracy and efficiency. Your commitment to delivering outstanding customer service will be paramount, as you act as a key point of contact for clients. Your expertise will directly contribute to our mission of facilitating accessible and responsible lending within the Leicester community and beyond, fostering economic growth and stability. This is an exciting opportunity to leverage your financial acumen, attention to detail, and client-centric approach to make a tangible, positive impact on individuals and businesses seeking vital financial support and guidance.
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Key Responsibilities
- Conduct comprehensive credit analysis on loan applications, evaluating creditworthiness, financial standing, and risk profiles.
- Verify application information, including employment, income, and assets, ensuring accuracy and completeness.
- Assess collateral adequacy and ensure proper documentation is in place to secure loans.
- Prepare detailed loan proposals and present findings to credit committees for approval.
- Communicate loan decisions to applicants, clearly explaining terms, conditions, and any reasons for denial.
- Oversee the disbursement process, ensuring funds are released accurately and in accordance with approved terms.
- Maintain up-to-date knowledge of lending regulations, policies, and procedures.
- Provide exceptional customer service, guiding applicants through the entire loan process.
- Collaborate with internal teams (e.g., legal, compliance, operations) to streamline processes and resolve issues.
- Manage and maintain accurate loan records and documentation in compliance with regulatory standards.
Required Skills
- Minimum of 3 years of experience as a Loan Officer, Credit Analyst, or similar role.
- Proven ability to evaluate financial statements, credit reports, and other financial data.
- Strong understanding of lending principles, credit risk assessment, and regulatory compliance (e.g., FCA guidelines).
- Excellent analytical and problem-solving skills with meticulous attention to detail.
- Proficiency in financial software and Microsoft Office Suite (especially Excel).
- Exceptional communication and interpersonal skills, both written and verbal.
- Ability to work independently and as part of a team in a fast-paced environment.
- Demonstrated ability to manage multiple priorities and meet deadlines.
Preferred Qualifications
- Bachelor's degree in Finance, Economics, Business Administration, or a related field.
- Relevant professional certifications (e.g., CeMAP, CeRER).
- Experience with specific loan management systems.
- A track record of building and maintaining strong client relationships.
Perks & Benefits
- Competitive salary package and performance-based bonuses.
- Comprehensive health, dental, and vision insurance.
- Generous paid time off and holiday allowance.
- Pension scheme with employer contributions.
- Opportunities for professional development and career advancement.
- Supportive and collaborative work environment.
- Employee assistance program.
- Modern office facilities in a convenient Leicester location.
How to Apply
Interested candidates are invited to submit their detailed CV and a cover letter outlining their relevant experience and why they are a suitable fit for this role. Please ensure your application highlights your expertise in credit evaluation and loan disbursement processes. Click on the link below to apply for the job directly.
