Loan Officer (Credit Union)
ゆうしかかり
Industry & Occupation
Classification
- Major : Clerical Occupations
- Middle : Sales and Marketing Clerical Occupations
- Minor : Other Sales and Marketing Clerical Occupations
Summary
A job in a credit union responsible for loan screening, contracting, and repayment management for individuals and small to medium-sized enterprises.
Description
Loan Officer (Credit Union) handles proposals for various loan and financing products to local individuals and SMEs, credit screening, contract conclusion, execution, and repayment management in an integrated manner. Analyzes customers' business plans and financial statements to assess repayment capacity and creditworthiness. Collects and verifies necessary documents, performs collateral valuation, sets guarantors, and carries out other procedures. Based on screening results, sets loan conditions and interest rates, reviews repayment plans after contracting, handles delinquencies, manages non-performing loan risks, and supports regional economic development.
Future Outlook
While business efficiency improves due to the low interest rate environment and advancing digitalization, the importance of community-based finance continues. With the automation of credit screening using AI, higher value-added consulting capabilities will be increasingly demanded, so the demand for credit union loan officers is expected to remain stable.
Personality Traits
Cautious / Honest / People-oriented / Strong sense of responsibility
Work Style
Customer visits / Face-to-face sales / Office work / Team-based
Career Path
Loan Officer → Senior Loan Officer → Section Chief (Lending Department) → Branch Manager → Head Office Loan Officer
Required Skills
Communication skills (Customer service) / Credit management / Financial statement analysis / Loan procedures / Loan screening
Recommended Skills
Accounting and tax knowledge / Financial modeling / Public loan program knowledge / SME support knowledge
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Analytical & Logical Thinking | To logically analyze customers' financial situations and repayment abilities. |
| Attention to Detail & Accuracy | Because mistakes in contract documents pose significant risks. |
| Communication Skills | Important for building trust with customers and explaining conditions. |
| Numerical & Quantitative Analysis | Essential for calculating loan amounts and repayment plans, and analyzing financial ratios. |
Aptitudes (Weaknesses Acceptable)
| Item | Description |
|---|---|
| Creativity & Ideation | Many routine tasks, with low frequency of creative thinking. |
| Physical Stamina & Endurance | Primarily desk work, with low physical load. |
Related Qualifications
- Financial Planning Technician
- Loan Operations Supervisor
Aliases
- Lending Officer
- Loan Officer
Related Jobs
- Bank Loan Officer
- Financial Planner
- Lending Officer