Account Officer

BDO Unibank; Compostela; On-site; PHP 30,000 - 55,000; Full time

Job summary

BDO Unibank, Inc. in Cebu City invites an Account Officer to join our lending team. You will drive loan growth, assess borrower credit-worthiness, and maintain profitability while delivering excellent customer service.

Key duties include soliciting loan accounts from branches, developers, brokers and referrals; reviewing requirements for credit processing and booking; coordinating with backroom units; and supporting clients throughout the process.

Qualifications

• Bachelor’s degree required in a business-related field.
• At least 2 years of experience as Account Officer/Relationship Officer selling loans.
• Knowledge of credit policies and financial analysis.
• Computer literacy with Word, Excel and presentation tools.
• Ability to work under pressure and with minimal supervision.
• Strong people management and interpersonal skills.

Responsibilities

• Actively solicit loan accounts from branches, developers, brokers, and referrals.
• Develop sales channel through regular branch visits and training.
• Analyze applicant financial capacity and credit worthiness.
• Review pre- and post-approval requirements for credit processing and loan booking.
• Coordinate with backroom units to resolve processing issues.
• Execute sales and marketing activities to achieve targets.
• Attend branch and client inquiries and provide post-booking support.
• Provide market trend information and customer needs insights.

Skills

Credit knowledge

Financial analysis

Interpersonal skills

People management

Under pressure

Independent

Education

Bachelor’s Degree in Business or related field

Tools

Word processing

Spreadsheets

Presentations

Job description

Account Officer

Company: Bdo Unibank
Job Type: Full Time
Location: Cebu City, Philippines

BDO Unibank, Inc. provides equal opportunity to all qualified candidates. Hiring decisions are based on job requirements and candidate qualifications, and shall not be influenced by any consideration of race, color, religion, sex (including sexual orientation and gender identity), national or ethnic origin, or disability.

Job Mandate

Responsible for achieving loan volume targets while maintaining profitability, sound credit quality, and good customer service.

Key Responsibilities

• Actively solicit loan accounts from various channels (i.e. branches, developers, brokers, and direct referrals).
• Develop the sales channel through regular branch visits / area meetings, training of branch front liners, performance reporting / updates, etc.
• Analyze overall loan applicant’s financial capacity, credit worthiness, collateral eligibility, etc. to determine feasibility of granting loans.
• Review and update pre-approval and post approval requirements to ensure adequacy for credit processing and loan booking, respectively.
• Liaise with backroom units to address issues and requirements for the smooth processing and booking of the loan.
• Execute sales and / or marketing activities aimed to achieve targets.
• Attend to branch and client inquiries, as well as post-booking / customer service concerns of clients and the channel.
• Provide information regarding competitor’s practices, market trends and customer needs.

Key Qualifications

• Bachelor’s Degree holder; any business related courses
• With at least 2 years of experience as Account Officer / Relationship Officer selling commercial / mortgage loans
• Current position with other banks’ IBG / Commercial Bank / SME Loans / Business Loans as Account / Relationship Officer is a big plus factor
• Strong credit knowledge and financial analysis
• Familiar with computer software including word processing, spreadsheets and presentations
• Analytical, systematic, can work under pressure, independent and can
• work with minimum supervision
• Has good people management and interpersonal skills