ACCOUNT OFFICER

BPI DIRECT BANKO,INC. A SAVINGS BANK; Atimonan; On-site; PHP 223,000 - 446,000; Full time

Job summary

The Account Officer position at BPI Direct Banko, Inc. A Savings Bank focuses on building and maintaining a quality loan portfolio for micro and small enterprise clients through the MAREKO program and related acquisition activities.

The role oversees day-to-day branch operations in the absence of senior staff, including vault and cash handling, teller duties, and transaction approvals within authority limits.

Qualifications

• Graduate of a 4-year degree course in business-related disciplines (Finance / Management / Economics)
• At least 2 years of experience in the banking industry (Rural Banks, microfinance-focused NGOs as well)
• Familiarity with the community of the branch (main markets, target segment, local network and connections)

Responsibilities

• Identifies, solicits, and maintains quality loan accounts within the assigned area.
• Acquires new deposits and SEME loans through proactive field work.
• Identifies, recruits, and supervises MAREKOs (referrers), driving their performance and engagement through visits and coaching.
• Manages and grows customer acquisition, deposit generation, float volume, and cross-sell targets.
• Implements marketing strategies to achieve loan origination and acquisition goals.
• Gathers, verifies, and validates loan documentary requirements and business information for credit evaluation.
• Updates Sales Journal or equivalent reports of sales activities.
• Manages and recovers past-due loans (1-60 days) with prescribed collection actions.
• Provides feedback to improve lending operations policies and guidelines.

Education

4-year degree in Finance / Management / Economics

Job description

Job Description

The Account Officer builds and maintains a strong portfolio of micro and small enterprise clients through the MAREKO program and other BanKo acquisition activities. The role ensures accurate loan evaluations, timely follow-up and recovery of past-due accounts, effective client service, and proper recordkeeping. In the absence of the Business Manager, Area Business Manager, or Area Admin Officer, the Account Officer supervises day-to-day branch or kiosk operations, including vault and cash balancing, teller and customer service duties, and approving transactions within authority limits.

• Identifies, solicits, and maintains quality loan accounts within the assigned area.


• Acquires new customers for deposits and SEME loans through proactive field work.


• Identifies, recruits, and supervises MAREKOs (referrers), driving their performance, ensuring loyalty and engagement through regular visits, coaching, and issue resolution.


• Manages and grows customer acquisition, deposit generation, float volume, and cross-sell targets.


• Implements marketing strategies to achieve loan origination and acquisition goals.


• Gathers, verifies, and validates loan documentary requirements and business information, both operational and financial, for credit evaluation and decision-making.


• Updates Sales Journal or equivalent reports of sales activities.


• Manages and recovers past-due loans (1-60 days):
  
  
  
  • Conducts prescribed collection actions (visits, notices, assessments).
  
  
  • Achieves and maintains Portfolio at Risk (PAR) and Non-Performing Loan (NPL) targets.
  
  
  • Emphasizes on-time payments with clients.
  
  
  • Records repayment reports, collection results, and client behavior patterns.
  
  
  • Prepares Client Assessment Reports and recommends remedial action for 30-90 days past-due accounts in CBP System.
  
  
  
  


• Provides feedback to improve lending operations policies and guidelines.


• Reviews all incoming leads, prospects, and loan applications of the branch, adding comments or recommendations in Unipro discussion threads with Loan Associates, Business Manager, Area Business Manager, and Regional Manager.


• Observes the Bank's account opening and POS guidelines.


• Ensures adherence to KYC, audit, legal, and regulatory requirements, including timely submission of compliance matrices (quarterly for high-risk, semi-annual for low-risk accounts).


• Completes branch operational tasks such as personnel checklists, attendance reporting, and filing requests for OB/VL/SL in line with Bank policy.


• Performs other functions as may be assigned from time to time.

Minimum Skills/Qualifications

• Graduate of a 4-year degree course, preferably in business-related disciplines (Finance / Management/ Economics, etc.)


• At least 2 years of experience in the banking industry (Rural Banks, microfinance-focused NGOs as well)


• Familiarity with the community of the branch (main markets, target segment, local network and connections, etc.)