30 Loan Officer jobs in India

Company Overview

MUDRA 360 excels in simplifying the borrowing journey for customers, specializing in locating the best financial products in India. Partnered with over 100 banks and NBFCs, we offer personalized deals on various loans and credit cards. Our team consists of skilled loan specialists dedicated to assisting customers in making well-informed financial decisions. Headquartered in Noida and operating within the Financial Services industry, we provide an expansive network across the finance landscape.

Job Overview

We are seeking a dynamic and motivated Loan Officer for a mid-level position at mudra360. The role is based in Noida, Delhi, Ghaziabad, and Greater Noida. As a Loan Officer, you will be employed full-time, playing a pivotal role in fostering relationships and guiding customers through the loan processes with empathy and expertise.

Qualifications and Skills

• Proven experience and proficiency in lead generation to effectively identify and convert potential loan applicants.
• Demonstrated ability in cross-selling financial products to maximize individual and company revenue streams.
• Strong sales negotiation skills, adept at negotiating terms that benefit both the customer and the organization.
• Comprehensive understanding of loan sales processes with a focus on personal loans and related financial products.
• Experience in loan servicing to ensure seamless customer support and loan processing from start to finish.
• Excellent communication skills, capable of articulating complex financial concepts in a clear and concise manner.
• Proficiency in convincing people to help potential customers realize the advantages of various loan solutions.
• Collaborative mindset with the ability to work effectively within a team to meet personal and company objectives.

Roles and Responsibilities

• Identify and approach potential clients by generating leads through various channels such as networking and referrals.
• Evaluate and analyze client needs to tailor loan products that match customer requirements and enhance satisfaction.
• Facilitate the loan application process, guiding clients through paperwork and assisting with compliance requirements.
• Cross-sell additional financial services such as credit cards and insurance to expand customer portfolios.
• Maintain detailed records of client interactions and account statuses to ensure accurate reporting and follow-ups.
• Negotiate loan terms in alignment with client needs while maintaining organization policies and profitability ratios.
• Respond to client inquiries efficiently and resolve any issues related to loan processing or payments promptly.
• Continuously stay informed about financial products, services, industry changes, and competitive offerings.

Recruiting for a scheduled commercial Bank.

Open Locations:

Uttarakhand: Meerut, Dehradun, Haldwani,muzaffarnagar

Uttar Pradesh: Kannauj, Agra, Gorakhpur, Allahabad

Delhi : Gurugram, Bhawana, Faridabad

Experience Required:

Minimum 1 year in Gold Loan Sales, Gold Appraising, and Gold Valuation

Candidates with 1+ year experience in NBFC or Banking are highly encouraged to apply

We are Hiring for a scheduled commercial Bank!

Vacancies Across Chennai Cluster.

Job Role: Gold Loan Officer

Key requirements

• Minimum 1+ years of experience in Gold loan field (Gold appraising, gold loan operations, customer service.)
• Any Degree or Post graduation.

Interested candidates may connect with Mr. Sayabu:

We are Hiring for a scheduled commercial Bank!

Vacancies Across Erode Cluster.

Job Role: Gold Loan Officer

Key requirements

• Minimum 1+ years of experience in Gold loan field (Gold appraising, gold loan operations, customer service.)
• Any Degree or Post graduation.

Interested candidates may connect with Mr. Sayabu:

We are Hiring for a scheduled commercial Bank!

Vacancies Across Kanchipuram Cluster.

Job Role: Gold Loan Officer

Key requirements

• Minimum 1+ years of experience in Gold loan field (Gold appraising, gold loan operations, customer service.)
• Any Degree or Post graduation.

Interested candidates may connect with Mr. Sayabu:

We are Hiring for a scheduled commercial Bank!

Vacancies Across- Pondicherry, Thanjavur, Thiruvarur, Tiruchirappalli, Thalakkarai.

Job Role: Gold Loan Officer

Key requirements

• Minimum 1+ years of experience in Gold loan field (Gold appraising, gold loan operations, customer service.)
• Any Degree or Post graduation.

Interested candidates may connect with Mr. Aldrin:

Dear Aspirants,

We are looking out for the candidates with good experience in origination with below skill set:

Experience in PurchaseContract/Agreement, IncomeCalculation, CreditReport and Appraisal report. (Please apply only if you have experience in Purchase agreement and Appraisal report or Income calculation and credit report)

Kindly do share the current ctc, expected ctc, np and the current location

Work Location : Pune

Essential Job Functions:

• Verify loan quality as per US requirements and lender guidelines and set up the loan for UW
• Provide excellent customer service to internal and external clients by demonstrating expertise, thoroughness, thoughtfulness, politeness and enthusiasm
• Review and analyze all necessary documentation, including borrower docs and third-party docs
• Interpret policies while analyzing applicant information, property and documentation
• Comprehensive understanding of credit underwriting guidelines

Requirements:

This role requires a wide variety of strengths and capabilities, including:

• Minimum 1 year experience in US Residential Mortgage preferably in Pre UW/ File Set up with excellent knowledge of Income and Asset Guidelines
• Excellent customer service and written and verbal communication skills
• Detail oriented and excellent organizational skills
• Quick learner to keep up with the fast paced mortgage industry
• Able to prioritize multiple tasks and manage time
• Problem-solver with strong analytical skills
• Adheres to directives, procedures, and standards
• Ability to work in a paperless environment
• Computer proficiency including Microsoft Office Product Suite
• Candidates must be available to work outside of normal business hours when necessary
• Flexible to work in 24/7 process including night shifts and weekends

Years of experience needed –

• Minimum 1 Year of experience US Residential Mortgage preferably in Pre UW/ File Set up with excellent knowledge of Income and Asset Guidelines

A Gold Loan Officer plays a crucial role in the lending process against gold collateral, ensuring both customer satisfaction and risk mitigation for the financial institution.

About the Role

The Gold Loan Officer is responsible for overseeing the process of granting loans against gold collateral. This includes evaluating the gold's purity and value, processing loan applications, managing the gold collateral's security, and ensuring compliance with all policies and regulations. The role requires a blend of financial acumen, meticulous attention to detail, and strong customer interaction skills.

Responsibilities

• Gold Appraisal and Valuation:
• Conduct physical verification and accurate valuation of gold ornaments/articles pledged by customers.
• Determine the weight, purity (caratage), and market value of the gold collateral.
• Use gold-testing equipment to ensure accurate assessment and detect spurious or low-purity gold to mitigate risk.
• Customer Service and Sales:
• Attend to customers visiting the branch for gold loan services.
• Explain loan products, terms, conditions, and repayment options clearly and concisely.
• Assist customers with filling out loan applications and verifying required documents (KYC, etc.).
• Provide exceptional customer service to ensure a smooth and timely disbursement process (maintaining the TAT - Turnaround Time).
• Promote or cross-sell other financial products (e.g., insurance, personal loans) to potential customers.
• Loan Processing and Documentation:
• Process gold loan applications, ensuring all documentation is complete, accurate, and compliant with policy.
• Verify customer eligibility and creditworthiness as per bank guidelines.
• Handle loan disbursement and maintain proper records of all transactions.
• Manage data entry, closure, and renewal of loan accounts in the system.
• Collateral Security and Risk Management:
• Ensure the pledged gold is securely handled, packed, and stored in the bank vault/safe room following strict security protocols.
• Maintain custody of storage keys and manage safe room operations.
• Report discrepancies, attempted frauds, or suspicious activities to higher authorities immediately.
• Monitor the loan portfolio to reduce Non-Performing Assets (NPA) and follow up with customers for timely interest collection and repayment.
• Compliance and Audit:
• Adhere strictly to all internal policies, processes, external financial regulations, and KYC guidelines.
• Assist with and ensure zero discrepancies during internal and external audits (IAD/FCU).
• Close any issues pointed out in audits within the stipulated timeframe.

Qualifications

• Education: Typically a Bachelor's degree in any field, preferably in Finance, Business Administration, or a related field.
• Experience: Proven experience in banking or financial services, often 1-3 years, preferably in gold loans or a related lending/appraisal function.

Required Skills

• Strong knowledge of gold evaluation and testing techniques.
• Excellent customer service and communication (verbal and written) skills, particularly in the local language.
• High sales orientation and lead generation/conversion skills to meet targets.
• Detail-oriented with strong analytical abilities for financial analysis and risk assessment.
• Familiarity with loan processing software and documentation management.
• Strong understanding of financial compliance and regulations.

Preferred Skills

• Experience as GOLD loan Officer for minimum of 1 year, Field Work Included.

Share your Updated CV through Whatsapp to Ms. Cassia (HR) :

Key Requirement:

Looking for professionals with 3 to 4 years of experience in Vehicle and Commercial Loan Processing with expertise in loan documentation, contract drafting, payout processing, KYC, onboarding, credit underwriting, and governance .

Responsibilities:

• Handle end-to-end processing of vehicle and commercial loans.
• Manage loan origination, onboarding (including UBO & related parties), and documentation processes.
• Draft and review loan contracts in alignment with customer requirements.
• Execute payout processing and ensure accuracy in supporting documentation.
• Evaluate and manage credit risk , underwriting, and ensure governance adherence.
• Perform credit spreading and risk analysis.
• Prepare and manage MIS reports and ensure numerical accuracy.
• Respond swiftly and professionally to customer and stakeholder queries .
• Liaise effectively with client-side stakeholders to ensure smooth processing.
• Utilize advanced skills in MS Office (Excel, Word, PowerPoint) for reporting and documentation.
• Maintain high attention to detail and operate as a collaborative team player.
• Understand and execute KYC checks, account setup , and related party onboarding .
• Be flexible in supporting on-demand client requests and priority tasks.