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Major Group
3
Technicians and Associate Professionals
Sub-Major Group
33
Business and Administration Associate Professionals
Unit Group
3312
Credit and Loan Officers
Minor Unit Group
MASCO Code
3312-01
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Loan Officer
Loan Officer evaluates, authorises, or recommends approval of loan applications for individuals or businesses, including property-related loans. They analyse financial information, assess creditworthiness, verify documents, and explain loan terms while ensuring compliance with regulatory or institutional guidelines. They act as the main point of contact for clients, facilitating access to financial assistance and safeguarding the interests of the financial institution.
Tasks
Interview loan applicants to assess financial needs, eligibility, and suitable loan options.
Review, verify, and analyse applicants’ financial documents, including income records and credit history, to determine creditworthiness.
Evaluate and process applications for personal, housing, business, and other loan facilities.
Structure loan terms, interest rates, and repayment plans in accordance with applicants’ financial capacity and institutional lending policies.
Submit loan applications with recommendations for approval or rejection to credit analysts or management.
Explain loan procedures, conditions, and repayment obligations to applicants.
Coordinate with real estate agents, solicitors, underwriters, and internal departments to facilitate loan approval and disbursement.
Monitor loan accounts and repayment performance, and proactively follow up on overdue payments.
Maintain client relationships and promote loan and credit products to potential and existing customers.
Ensure all loan documentation and processes comply with internal policies and relevant financial regulations, including Bank Negara Malaysia guidelines.
Skills
Basic
Customer service orientation to assist clients effectively and maintain relationships.
Numerical and analytical skills to evaluate financial data and loan structures.
Organisational skills and attention to detail to manage documentation and meet targets.
Problem-solving and decision-making ability to assess loan applications and resolve client issues.
Strong communication and interpersonal skills to build client trust and explain loan terms clearly.
Specific
Ability to advise clients on loan products, financing options, and repayment structures.
Ability to interpret credit reports, financial statements, and income documents to assess creditworthiness.
Competency in evaluating loan applications through financial analysis and credit assessment.
Competency in reviewing and managing financial documentation accurately.
Expertise in assessing creditworthiness using underwriting, credit scoring, and risk management techniques.
Knowledge in interest rates, loan types, and repayment modalities.
Knowledge in lending regulations and compliance standards, including Bank Negara Malaysia policies.
Proficiency in using loan origination systems, banking software, and Customer Relationship Management (CRM) tools effectively.
Additional Info
QUALIFICATION
Diploma or equivalent
Related Courses
MASCO
Hi, I can assist you with questions related to the Malaysia Standard Classification of Occupations (MASCO).
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