account officer

BDO Unibank; Iriga; On-site; PHP 180,000 - 240,000; Full time

Job summary

BDO Unibank is seeking a motivated Microfinance Loan Officer to help achieve loan volume targets while maintaining profitability and sound credit quality. You will deliver excellent customer service and build strong client relationships in the branch.

Key duties include soliciting loan accounts, assessing applicant qualifications, initiating credit and collection actions, coordinating with units, and ensuring adherence to policies.

Qualifications

• Graduate of any 4 year degree course.
• Good selling, communication and customer service skills.
• Basic mathematical knowledge required.
• High integrity and ethical standards.
• Familiar with word processing and spreadsheets.
• Sales/fieldwork experience in microfinance is an advantage.
• Preferably can drive a motorcycle.

Responsibilities

• Actively solicit microfinance loan accounts to meet customer needs.
• Analyze loan applicants to determine feasibility of granting loans.
• Initiates credit and collection activities to ensure credit quality.
• Coordinates with officers and units for processing and servicing loans.
• Ensures adherence to bank policies and procedures.
• Execute sales and/or marketing activities to achieve volume targets.
• Attend to inquiries and requirements of clients.
• Review/update customer loan files and loan agreements for credit processing.
• Perform other functions as assigned.

Skills

Selling skills

Communication

Customer service

Basic math

Integrity

Computer literacy

Fieldwork experience

Motorcycle driving

Education

Bachelor's degree

Tools

MS Word

MS Excel

Job description

Job Description:

This position is primarily responsible for achieving loan volume targets while maintaining profitability, sound credit quality and good customer service.

Responsibilities

• Actively solicit microfinance loan accounts to meet the business needs of the customer
• Analyze overall loan applicant’s qualifications to determine feasibility of granting loans
• Initiates credit and collection activities to ensure credit quality of accounts
• Coordinates with concerned officers and/or other units related to processing and servicing of loan applications and loan clients
• Ensures adherence to the bank’s policies and procedures
• Execute sales and/or marketing activities that will achieve volume targets
• Attends to inquiries and other requirements of the clients
• Review and update customer loan files, loan agreements, etc. to ensure adequacy for credit processing and loan booking.
• Perform other functions that may be assigned to him/her

Qualifications

• Graduate of any 4 year degree course
• Possesses good selling, communication and customer service skills.
• Must have basic mathematical knowledge.
• With high integrity.
• Preferably familiar with computer software including word processing & spreadsheets.
• With fieldwork and sales experience on Microfinance, an advantage.
• Preferably can drive a motorcycle.

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. Requisition ID: 29190

Requirements: