Loan officer job description: what you'll do and what to write on your resume
Applying for loan officer at a bank or lending company? Copy the duties below into your resume, then read what the interview asks.
Duties to write on your resume
Start each line with what you did. Keep the ones you've really done.
Interviewed loan applicants about their income and ability to repay
Checked IDs and income documents against the application form
Computed monthly payments and explained interest and fees in plain terms
Encoded loan applications in the system and kept each client file complete
Passed completed applications to the credit team for review and approval
Visited borrowers at their homes or workplaces to verify the details they gave
Followed up with clients who missed payments and agreed on a payment plan
Met monthly targets for new loans released and accounts collected
A resume objective you can adapt
Business graduate looking for a loan officer role, ready to meet clients in the field and help families borrow with a plan they can repay.
Skills employers ask for
Explaining loan terms in simple English and Filipino
Basic math and Excel
Spotting red flags in documents
Polite but firm follow-up on late payments
Keeping records neat and accurate
What the interview asks
Why do you want to be a loan officer? Talk about helping people with money and enjoying sales. Give one real reason from your own life.
How would you collect from a client who stopped paying? Stay calm and ask why first. Then offer a payment plan and keep a written record of what you agreed.
What would you do if a client gave you a fake document? Don't approve it. Report it to your supervisor right away.
Can you handle targets and field visits? Say yes only if it's true. Mention that you're fine with travel and meeting strangers.
Most posts ask for a college degree, often in business or finance.
Some lenders hire fresh graduates and train them, while others want sales or collections experience.
Bring your resume, valid ID, NBI clearance, medical certificate and government numbers such as SSS, PhilHealth, Pag-IBIG and TIN.
Apply on job sites or walk in at branch offices that are hiring.
Expect a panel interview and sometimes a short math or computer test.
What the work is like
You split your time between the office and client visits, so expect days on the road. The hard part is the pressure to hit targets while still saying no to risky borrowers.
Questions
Do I need experience to become a loan officer?
Not always. Some lenders hire fresh graduates and train them, but sales or customer service experience helps.
Is loan officer work a desk job?
Usually both. You handle applications at a desk, then visit clients in the field.
What should I study to become a loan officer?
Most posts prefer business or finance courses. Other degrees are sometimes accepted if you can sell and handle numbers.
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