Ranjit Tamang
Bahrabise
Summary
Working as a gold loan officer since 2021 involves interacting with customers seeking loans against their gold assets, processing loan applications, verifying documents, assessing risk, facilitating loan disbursement, ensuring compliance with regulations, and providing excellent customer service. The role focuses on maintaining accurate records and potentially cross-selling other banking products.
Overview
3
3
years of professional experience
Work History
Gold Assessor
Assistant
Melamchi
07.2021 - Current
- Customer Interaction: You would interact with customers who are seeking loans against their gold assets. This involves explaining the loan process, eligibility criteria, interest rates, and repayment terms.
- Loan Processing: You are responsible for processing loan applications. This includes verifying the authenticity of the gold being pledged, assessing its value, and determining the loan amount that can be granted based on the value of the gold.
- Documentation: Ensuring all necessary documents are collected from the borrower, such as identity proof, address proof, and ownership proof of the gold.
- Risk Assessment: Conducting risk assessments to evaluate the likelihood of loan repayment based on the borrower's financial history and creditworthiness.
- Loan Disbursement: Facilitating the disbursement of approved loans to customers after completing all necessary formalities and documentation.
- Loan Servicing: Monitoring loan repayment schedules and ensuring timely collection of payments. This may involve sending reminders to customers regarding upcoming payments or discussing repayment options if there are difficulties.
- Compliance: Ensuring compliance with all regulatory requirements and internal policies of the bank related to gold loans.
- Customer Service: Providing excellent customer service by addressing customer queries and concerns related to their gold loans.
- Cross-Selling: Identifying opportunities to cross-sell other banking products or services to customers based on their financial needs and profiles.
- Record Keeping: Maintaining accurate records of all transactions, loan applications, disbursements, and repayments.
Education
High School Diploma -
Shree Sharada Secondary School
Bahrabise05.2020
Skills
- Loan documentation
- Project finance expertise
- Written and verbal communication
- Syndicated loan management
- Credit analysis
- Credit risk management
reading, gardening, cooking, playing sports, traveling, and spending time with family.
Reading: I enjoy diving into various genres, from fiction to non-fiction, exploring new perspectives and ideas.
Gardening: It's a calming hobby where I nurture plants, enjoying the satisfaction of watching them grow and thrive.
Cooking: Experimenting with flavors and recipes is a creative outlet for me, and I love sharing meals with loved ones.
Playing sports: Whether it's a friendly game of tennis or a jog in the park, staying active is important for both physical and mental well-being.
Traveling: Exploring new places and experiencing different cultures broadens my horizons and gives me memorable experiences.
Spending time with family: Nothing beats the joy of quality time with family, whether it's simple moments at home or exciting outings together.
Languages
Nepali
Native language
English
Upper intermediate
B2
Hindi
Upper intermediate
B2
Timeline
Gold Assessor
Assistant
07.2021 - Current
High School Diploma -
Shree Sharada Secondary School