We are seeking a highly motivated and customer-focused Bank Loan Expert specializing in Home Loans and Student Loans. The ideal candidate will guide customers through the complete lending journeyfrom initial consultation and eligibility assessment to loan approval and disbursement—while ensuring full compliance with banking regulations and internal credit policies.

This role requires strong financial analysis skills, exceptional customer relationship management, and a proven ability to achieve loan sales targets.

Key Responsibilities

Client Consultation

- Advise customers on home loan and education loan products.
- Explain interest rates, repayment options, loan tenures, eligibility criteria, and associated charges.
- Recommend loan solutions tailored to each customer's financial profile and borrowing needs.
- Build and maintain long-term customer relationships through exceptional service.

Loan Origination & Processing

- Assist customers in completing loan applications accurately.
- Collect, verify, and validate required documentation, including:
- Income proof
- Bank statements
- Credit reports
- Property documents
- Academic records and admission letters (for student loans)

- Coordinate with internal credit, legal, valuation, and operations teams to ensure timely loan processing.
- Monitor applications from submission through final disbursement.

Credit & Risk Assessment

- Evaluate customer creditworthiness using financial statements and credit reports.
- Calculate debt-to-income (DTI) ratios and repayment capacity.
- Identify lending risks and recommend appropriate loan structures.




- Ensure all lending decisions comply with bank policies and regulatory requirements.

Sales & Business Development

- Generate new business through referrals, partnerships, and customer networking.
- Meet monthly and quarterly loan disbursement targets.
- Cross-sell banking products including:
- Credit Cards
- Savings & Current Accounts
- Insurance Products
- Investment Products

- Develop relationships with real estate developers, educational institutions, and referral partners.

Compliance & Documentation

- Ensure complete compliance with banking regulations, KYC, AML, and internal audit requirements.
- Maintain accurate customer records and loan documentation.
- Stay updated on lending regulations, market trends, and interest rate changes.

Required Qualifications

- Bachelor's degree in Finance, Business Administration, Economics, Banking, or a related field.
- 2–5 years of experience in:
- Home Loans
- Mortgage Lending
- Student Loans
- Consumer Banking
- Retail Lending

- Mortgage Loan Originator (MLO) License or equivalent certification (where applicable) is preferred.
- Professional certifications in banking or lending are an advantage.

Required Skills





- Strong knowledge of mortgage and education loan products
- Credit underwriting and financial analysis
- Loan Origination Systems (LOS)
- Credit bureau and credit scoring systems
- Financial statement analysis
- Excellent communication and negotiation skills
- Strong customer relationship management
- Sales and target-oriented mindset
- Attention to detail and documentation accuracy
- Knowledge of banking regulations, KYC, AML, and compliance

Preferred Technical Skills

- Loan Origination Software (LOS)
- CRM platforms
- Microsoft Excel and Office Suite
- Credit scoring and risk assessment tools
- Digital banking platforms

Key Performance Indicators (KPIs)

- Monthly loan disbursement volume
- Number of approved loan applications
- Loan conversion ratio
- Customer satisfaction score (CSAT)
- Turnaround time (TAT)
- Cross-selling revenue
- Portfolio quality and delinquency rate
- Compliance and documentation accuracy

Growth opportunities Opportunities

Successful candidates may progress into roles such as:

- Senior Loan Manager
- Branch Manager
- Mortgage Sales Manager
- Commercial Banking Relationship Manager
- Credit Manager
- Risk & Compliance Manager
- Retail Banking Manager
- Regional Lending Manager

Why Join Us?

- Competitive salary with attractive performance incentives
- Career growth within a leading financial institution
- Continuous professional development and certifications
- Supportive and collaborative work environment
- Opportunity to build a rewarding career in retail banking and lending

📌 Bank Loan Expert Home and Student Loans (Hyderabad)
🏢 iTester
📍 Hyderabad