SBI Jobs

Job Title: Commercial Loan Officer

Location: Delhi G.P.O, Delhi

Job Description: SBI (State Bank of India), one of India's largest public sector banks, is seeking a highly skilled and experienced Commercial Loan Officer to join our team in Delhi G.P.O, Delhi. As a Commercial Loan Officer, you will be responsible for assessing and evaluating loan applications from commercial clients and ensuring compliance with lending policies and regulations. Your expertise in financial analysis, risk assessment, and customer service will contribute to the growth of our commercial lending portfolio. This is a fantastic opportunity to be part of a reputable bank and play a key role in supporting businesses' financial needs.

SBI Careers

Responsibilities:

1. Loan Assessment: Evaluate loan applications from commercial clients, analyzing financial statements, creditworthiness, and business viability. Assess risks and determine appropriate loan structures, terms, and conditions.
2. Financial Analysis: Conduct thorough financial analysis of borrower's financial statements, cash flows, and projections. Evaluate industry trends, market conditions, and collateral valuation to make informed lending decisions.
3. Compliance and Documentation: Ensure compliance with internal policies, lending regulations, and risk management guidelines. Prepare accurate and complete loan documentation, adhering to legal and regulatory requirements.

SBI Jobs Near Me

Skills and Qualifications:

• Financial Analysis: Strong analytical skills to evaluate financial statements, assess creditworthiness, and analyze cash flows and projections. Familiarity with financial ratios, risk assessment, and credit scoring models.
• Commercial Lending: Solid understanding of commercial lending principles, loan products, and industry practices. Knowledge of lending policies, regulations, and compliance requirements.
• Risk Management: Ability to identify and assess credit risks, collateral valuation, and market conditions. Strong problem-solving skills to mitigate risks and make sound lending decisions.
• Customer Service: Excellent interpersonal and communication skills to build relationships with commercial clients. Ability to understand their financial needs, offer customized solutions, and provide exceptional customer service.