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Loan Department

Date Posted: Sep 17, 2025
Monthly: ₹ 13000 - ₹ 28000
Job is expired

Job Detail

  • location_on
    Location Lucknow, Uttar Pradesh, India
  • desktop_windows
    Job Type: Full Time/Permanent
  • schedule
    Shift: Rotating
  • analytics
    Career Level: Experienced Professional
  • group
    Positions: 30
  • calendar_view_day
    Experience: Less Than 1 Year
  • male
    Gender: No Preference
  • school
    Degree: Bachelors
  • calendar_month
    Apply Before: Oct 30, 2025
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Job Description

Loan Officer / Relationship Officer (Entry level)

 
Meet customers to promote and explain loan products (personal, home, auto, business, etc.).
 
Collect and verify KYC, income proofs, and other required documents.
 
Assist customers in filling out applications and uploading them into the bank system.
 
Coordinate with credit and operations teams for smooth processing.
 
Achieve monthly loan disbursement targets.
 
2. Credit Analyst / Credit Officer
 
Assess customer’s financial health, creditworthiness, and repayment capacity.
 
Analyze balance sheets, income statements, CIBIL scores, and repayment history.
 
Recommend approval, modification, or rejection of loan applications.
 
Ensure loans comply with RBI and bank policy guidelines.
 
Work closely with loan officers and risk managers.
 
3. Loan Processing / Operations Executive
 
Check documentation accuracy (KYC, property papers, income proofs).
 
Input loan application data into the system.
 
Ensure compliance with internal and regulatory standards.
 
Prepare loan agreements and coordinate for disbursement.
 
Maintain loan files and handle audit queries.
 
4. Collections / Recovery Executive
 
Monitor repayment schedules of customers.
 
Remind customers about EMI due dates.
 
Handle overdue accounts through phone calls, visits, or settlement plans.
 
Escalate high-risk accounts to legal/recovery team.
 
5. Branch Credit Manager / Loan Manager
 
Supervise the
 
You said:
Benefits 
ChatGPT said:
 
Here are some of the key benefits of working in the Loan Department of a bank (like Axis Bank or similar). These cover personal, professional, financial, and other perks. If you want, I can also point out which are specific to Axis / private banks vs public sector ones.
 
Benefits of Working in the Loan Department
 
Good Learning of Financial & Risk Skills
 
You deeply understand credit evaluation: assessing income, assets, liabilities, credit history, risk metrics.
 
You get exposed to legal, documentation, compliance, financial statements.
 
Helps build strong analytical, decision-making skills.
 
Exposure to Multiple Loan Products
 
Working with personal loans, home loans, business/SME loans, maybe agriculture, etc.
 
Each product has different rules, risk, customer segment, which increases your product knowledge.
 
Chance to Build Relationships & Network
 
You interact with customers, other internal departments (credit, legal, operations), maybe third parties (valuation, surveyors).
 
Good for communication skills and stakeholder-management.
 
Career Growth Opportunities
 
Starting roles (Loan Officer / Analyst) → Senior Credit Officer → Manager → Regional Head etc. The loan function is central to banking so good scope for upward movement.
 
Also, internal transfers / promotions often open if you perform well; many banks reward good performers with higher responsibilities.
 
Financial Incentives
 
Many banks give targets / KPIs → you may get performance bonuses / incentives for disbursing loans, maintaining low non-performing assets, etc.
 
Occasional commission or additional benefits tied to the quality & volume of work.
 
Job Stability
 
Banks are fairly stable employers (especially large banks). The need for credit operations is ongoing (loans are core business).
 
In many places, the banking sector has regulatory protections and structured HR systems.
 
Perks & Allowances
 
Housing allowance or rent reimbursement for many banking jobs.
 
Medical coverage / health insurance (for self/family) is often included.
 
Other standard allowances (travel, conveyance, phone, etc.) may be provided.
 
Special loan / interest rate concessions on housing / car loans for employees.
 
Work-Life Balance (to some extent)
 
While workload can vary (especially as targets approach), banking is generally more structured than many private sector sales / commission-driven jobs.
 
Leaves, holidays, shift patterns are often regular or well-defined.
 
Recognition & Prestige
 
Working in credit / lending gives you a core role in the bank’s revenue and risk profile — you are central to the bank’s operations.
 
It adds credibility to your profile (for finance/finance-adjacent roles in the future).
 
Personal Benefit: Better Loan / Financial Products
 
As a bank employee, sometimes you get special terms on bank’s own products (lower interest rate, reduced processing fee etc.) for personal/home/car loans.
 
Easier access to internal financial support, staff advances etc.
 
If you like, I can list the drawbacks too (so you can see both sides), or point out what benefits Axis Bank specifically gives in its Loan Department.
 
ChatGPT

Benefits

Good Learning of Financial & Risk Skills

 
You deeply understand credit evaluation: assessing income, assets, liabilities, credit history, risk metrics.
 
You get exposed to legal, documentation, compliance, financial statements.
 
Helps build strong analytical, decision-making skills.
 
Exposure to Multiple Loan Products
 
Working with personal loans, home loans, business/SME loans, maybe agriculture, etc.
 
Each product has different rules, risk, customer segment, which increases your product knowledge.
 
Chance to Build Relationships & Network
 
You interact with customers, other internal departments (credit, legal, operations), maybe third parties (valuation, surveyors).
 
Good for communication skills and stakeholder-management.
 
Career Growth Opportunities
 
Starting roles (Loan Officer / Analyst) → Senior Credit Officer → Manager → Regional Head etc. The loan function is central to banking so good scope for upward movement.
 
Also, internal transfers / promotions often open if you perform well; many banks reward good performers with higher responsibilities.
 
Financial Incentives
 
Many banks give targets / KPIs → you may get performance bonuses / incentives for disbursing loans, maintaining low non-performing assets, etc.
 
Occasional commission or additional benefits tied to the quality & volume of work.
 
Job Stability
 
Banks are fairly stable employers (especially large banks). The need for credit operations is ongoing (loans are core business).
 
In many places, the banking sector has regulatory protections and structured HR systems.
 
Perks & Allowances
 
Housing allowance or rent reimbursement for many banking jobs.
 
Medical coverage / health insurance (for self/family) is often included.
 
Other standard allowances (travel, conveyance, phone, etc.) may be provided.
 
Special loan / interest rate concessions on housing / car loans for employees.
 
Work-Life Balance (to some extent)
 
While workload can vary (especially as targets approach), banking is generally more structured than many private sector sales / commission-driven jobs.
 
Leaves, holidays, shift patterns are often regular or well-defined.
 
Recognition & Prestige
 
Working in credit / lending gives you a core role in the bank’s revenue and risk profile — you are central to the bank’s operations.
 
It adds credibility to your profile (for finance/finance-adjacent roles in the future).
 
Personal Benefit: Better Loan / Financial Products
 
As a bank employee, sometimes you get special terms on bank’s own products (lower interest rate, reduced processing fee etc.) for personal/home/car loans.
 
Easier access to internal financial support, staff advances etc.
 
If you like, I can list the drawbacks too (so you can see both sides), or point out what benefits Axis Bank specifically gives in its Loan Department.
 
ChatGPT can make mistakes. Check important info. See Cookie Preferenc

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Company Overview

Axis Bank
Mumbai, Maharashtra, India
91 Current Jobs Openings

Axis Bank Limited — Company Profile Network & Presence Total Employees: ~104,400 Branches in India: 5,876 ATMs & Cash Recyclers: 13,941 Overseas Offices: 8 Rural / Semi-Urban Branches: ~47% of total branches... Read More

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