Basically you check the basics like credit files, existing loans/mortgages, delinquency, income statements etc. Occasionally if someone is pledging company shares as collateral then you need to get the financial statements, but the job is not to assess but ensure proper documentation and system entry for relevant department for further comment.

This is pretty much a paper work driven administrative job. Every bank will have a standard list of documentation and checklist required depending on the type of lending products and loan amounts. The job is to solicit and document the required info and ensure compliance before giving the go ahead.

Most cases are simple straight forward follow the rules, sometimes you get a few cases borderline or outside SOP then escalate to correct channel and wait for further instructions.

From a certain POV you can call this risk management as well, but it's considered very low level and transactional sort of risk management. Think of your teller/relationship manager at your UOB branch, technically she is also a banker, but it's not the "right" kind that most people are referring to.