ICICI Bank Recruitment 2023

ICICI Bank, a leading private sector bank in India, is seeking qualified and motivated individuals to join our team as Mortgage Loan Officers. As a Mortgage Loan Officer, you will play a crucial role in facilitating mortgage loan applications and providing excellent customer service to our clients. You will be responsible for assessing loan eligibility, assisting customers with documentation, and ensuring a smooth loan approval process.

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Responsibilities:

• Evaluate mortgage loan applications and assess the creditworthiness of applicants.
• Conduct thorough financial analysis and review income, credit history, and collateral documents.
• Guide customers through the loan application process, explaining terms, conditions, and requirements.
• Collect and verify necessary documents, including income statements, bank statements, and property documents.
• Assist customers in completing loan application forms accurately and efficiently.
• Collaborate with internal teams, such as underwriters and legal departments, to ensure timely loan processing.
• Maintain a comprehensive knowledge of mortgage loan products, interest rates, and market trends.
• Build and maintain strong relationships with customers, providing personalized service and addressing their queries.
• Stay updated on regulatory guidelines and compliance requirements related to mortgage lending.
• Achieve individual sales targets and contribute to the overall mortgage loan portfolio growth.
• Provide excellent customer service throughout the loan lifecycle, from application to closing.

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Skills:

• Bachelor's degree in Finance, Business Administration, or a related field.
• Minimum of 2-3 years of experience in mortgage lending or a similar role.
• Sound understanding of mortgage loan products, including home loans and mortgage refinancing.
• Knowledge of mortgage lending procedures, documentation requirements, and credit evaluation.
• Familiarity with financial analysis, credit scoring, and risk assessment techniques.
• Excellent interpersonal and communication skills to interact with customers and internal stakeholders.
• Strong sales and negotiation skills to achieve targets and build customer relationships.
• Ability to work effectively in a fast-paced environment and handle multiple loan applications simultaneously.
• Proficiency in computer applications and loan management systems.
• Certification or training in mortgage lending is a plus.