About the role

Technical Officer - Loan Against Property

Job Summary:

The Technical Officer for Loan Against Property plays a vital role in evaluating and assessing property-related risks for lending purposes. You will contribute significantly to optimizing the lending process, ensuring that all technical evaluations align with the organization’s strategic goals and compliance standards.

Key Responsibilities:

Evaluate property documents, ownership details, and valuation reports to assess creditworthiness for loan applications.
Conduct on-site property inspections to ascertain physical condition, marketability, and compliance with local regulations.
Collaborate with appraisers and legal teams to ensure comprehensive evaluation and adherence to lending policies.
Prepare detailed technical reports and presentations for management and stakeholders to support loan decisions.
Assist in formulating guidelines and best practices for technical evaluations to streamline processes.
Monitor and assess property market trends to stay informed about fluctuations that may affect lending decisions.
Provide technical expertise and support to the loan processing team in resolving queries about property valuations and documentation.

Requirements:

Bachelor’s degree in Civil Engineering, Architecture, Real Estate, or a related field.
Experience in property appraisal, mortgage lending, or related technical roles.
Strong understanding of property valuation methods and market trends.
Excellent analytical and problem-solving skills, with attention to detail.
Effective communication skills for collaboration with cross-functional teams and stakeholders.
Proficient in using appraisal software and Microsoft Office Suite.
Ability to travel for property inspections as required.

Preferred Qualifications:

Master’s degree in a relevant field or advanced certifications such as MRICS or equivalent.
Experience in commercial property evaluations and risk management.
Familiarity with regulatory requirements pertaining to lending and property finance.
Previous experience working in a financial institution or mortgage company.
Strong networking skills within real estate and appraisal communities.

Benefits:

Competitive salary and performance-based bonuses.
Health, dental, and vision insurance for employees and their families.
Retirement savings plan with company matching contributions.
Professional development opportunities, including training and certifications.
Employee wellness programs and additional perks such as gym memberships.
Inclusive workplace culture that values diversity and innovation.