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Thread: Responsibilities of Consumer Officer

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    jollysalman is offline Senior Member+
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    Default Responsibilities of Consumer Officer

    Sir me ek general knowledge ka question pochna chata hon.
    Banking me Consumer Officer ki post ki kia responsibilities hoti hain?

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    BIG BROTHER is offline Super Moderator
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    Assalam O Allaikum...
    Brother Read the following...

    1. Interviews and accepts all Consumer Loan Applications obtaining financial information and purpose of the loan.
    2. Actively participates in the solicitation of lending business and cross-selling of products to customers in person or by phone.
    3. Demonstrates progress toward loan production goals set by management.
    4. Under manager direction, works collaboratively with Collections department to minimize loan losses, including but not limited to, telephone and field calls to collect.
    5. Completes assigned training on a timely basis; demonstrates good working knowledge of bank policies and procedures.
    6. Receives training in completion of loan applications, processing and closing of consumer loan products.
    7. Through on-the-job training and attendance in approved classes, gains understanding of any applications of Federal and State laws concerning the purpose, processing, approval and denial of loan requests.
    8. Develops a strong working knowledge of all consumer regulations,
    9. Analyzes the prospective loan request for previous credit and current financial obligations.
    10. Determines purpose of loan and method of repayment.
    11. Qualifies, approves, denies, or counter-offers the loan within assigned credit lines and company policy and is prepared to justify that decision to both the customer and management.
    12. Documents credit analysis.
    13. Refers those decisions beyond the loan officer’s credit limit to the appropriate level of management, recommending approval or rejection and justifying that decision.

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