Overview

Ameriabank CJSC is looking for a Senior Specialist, Personal Lending division.

Responsibilities:
  • Review retail loan applications, provide professional conclusions
  • Submit loan conclusions to the head of unit / Credit Committee / Management Board for approval
  • Provide professional consultation
  • Underwriting of retail loans
  • Approving of loans within the personal limit
  • Participate in loan analysis and monitoring
  • Prepare and submit to authorized bodies conclusions on restructuring loans or reviewing their terms
  • Provide extended consultation to potential borrowers on all types of retail lending products offered by Retail Banking Department to individuals
  • Review and check the documents and information provided by clients, assess creditworthiness and borrowing capacity of applicants
  • Prepare and provide conclusions on the financial standing of clients, submit the credit file to the Credit Committee for approval
  • Where required make inquiries on clients' credit history to credit bureaus and other agencies
  • Handle the document flow and credit files of the unit
  • Collect documents related to loan disbursement and required during loan service and carry out other necessary functions
  • Substitute the senior specialist and the specialist and perform their duties when the latter are absent
  • Perform other tasks as assigned by the head of the unit or chief specialist
Required Qualifications:
  • University degree in finance, business administration, economics or other related field
  • At least 2 years of work experience in banking
  • Knowledge of banking legislation and prudential standards
  • Strong critical thinking
  • Team player skills
  • Profound knowledge of MS Office, proficiency in AS-Bank Operational Day
  • Excellent command of Armenian, Russian and English

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