About Company
Are you an ambitious Loan Officer seeking a platform where your credit evaluation expertise directly impacts community growth? Career.zycto offers a dynamic environment dedicated to fostering financial well-being and empowering individuals and businesses across Glasgow. We pride ourselves on our meticulous approach to lending, ensuring both client success and responsible financial practices. Join our team and leverage your analytical prowess to make informed decisions, drive positive client outcomes, and contribute to a supportive culture that values professional development. We believe in nurturing talent and providing the tools necessary for you to excel in the competitive financial landscape.
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Job Description
Career.zycto is seeking a dedicated and detail-oriented Loan Officer with a strong focus on Credit Evaluation and Disbursement to join our growing team in Kirkintilloch, Glasgow. This is an exceptional opportunity for a finance professional who thrives in a fast-paced environment and possesses a meticulous approach to financial assessment. You will be instrumental in guiding our clients through the lending process, from initial application to final disbursement, ensuring both compliance and customer satisfaction. The ideal candidate will have a deep understanding of financial analysis, credit risk management, and excellent interpersonal skills to build lasting relationships with our diverse client base. We value accuracy, efficiency, and a proactive attitude towards problem-solving. As a Loan Officer, you will be a key point of contact, providing expert advice and tailored financial solutions that align with our clients’ needs and our company’s lending policies. This role requires not just technical proficiency but also a genuine commitment to helping individuals and businesses achieve their financial goals responsibly. We are committed to continuous improvement and offer a supportive environment where you can truly grow your career. If you are passionate about financial services and possess the drive to make a tangible impact, we encourage you to apply and become a vital part of our mission to facilitate responsible financial growth within the community.
Key Responsibilities
- Conduct thorough credit evaluations of loan applications, assessing financial statements, credit history, and collateral to determine creditworthiness and mitigate risk.
- Prepare comprehensive loan proposals and recommendations for approval, ensuring strict adherence to internal policies, regulatory requirements, and ethical lending practices.
- Manage the end-to-end loan disbursement process, coordinating seamlessly with legal, administrative, and compliance departments to ensure timely and accurate funding.
- Provide exceptional client service, advising applicants on various loan products, terms, and conditions, and guiding them empathetically through the entire application process.
- Maintain accurate, detailed, and up-to-date client records and all necessary loan documentation within the company's secure CRM system.
- Monitor existing loan portfolios for potential risks or issues, proactively initiating corrective actions or follow-ups as necessary to safeguard assets.
- Stay informed about market trends, evolving regulatory changes, and broader economic conditions impacting the lending industry, adapting strategies accordingly.
- Collaborate effectively with sales and marketing teams to identify new business opportunities, enhance client relationships, and promote our lending solutions.
- Participate actively in ongoing training and professional development programs to continuously enhance industry knowledge, skills, and compliance awareness.
Required Skills
- Proven experience (minimum 3 years) in credit analysis, loan underwriting, or a similar role within a financial institution.
- Strong understanding of financial statements, balance sheets, income statements, and advanced cash flow analysis.
- Excellent analytical and problem-solving skills with an unwavering commitment to accuracy and attention to detail.
- Proficiency in financial software and advanced capabilities in Microsoft Office Suite, particularly Excel for data analysis.
- Exceptional communication and interpersonal skills, both written and verbal, with the ability to articulate complex financial concepts clearly.
- Demonstrated ability to manage a diverse portfolio of clients and loan applications concurrently while meeting deadlines.
- Proven capability to work both independently with minimal supervision and collaboratively as a valued member of a team in a fast-paced environment.
Preferred Qualifications
- Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a closely related field.
- Professional certifications in banking or finance (e.g., CeMAP, CISI, CFA Level I).
- Direct experience with a specific loan origination or loan management system (LMS).
- In-depth knowledge of the local Kirkintilloch/Glasgow market and community, including local business dynamics and demographics.
Perks & Benefits
- Competitive salary package complemented by attractive performance-based bonuses.
- Comprehensive health and wellness benefits, including private medical insurance.
- Generous paid time off, including annual leave and public holidays, to ensure work-life balance.
- Extensive opportunities for continuous professional development, training, and clear career advancement paths.
- A supportive, inclusive, and collaborative work environment that values individual contributions.
- Robust company pension scheme contribution.
- Access to an employee assistance program for personal and professional support.
How to Apply
Ready to take the next step in your career and contribute to a dynamic financial services team? We encourage all qualified candidates to click on the application link below to submit your comprehensive CV and a compelling cover letter detailing your relevant experience and why you are the ideal fit for this pivotal Loan Officer role. We look forward to reviewing your application and potentially welcoming you to Career.zycto!
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