Account Officer 1

BDO Unibank; Laoag; On-site; PHP 223,200 - 446,400; Full time

Job summary

BDO Unibank is seeking a dedicated professional in Laoag, Ilocos Norte to drive microfinance loan accounts. The role involves target achievement, overseeing loan quality, and addressing client needs with excellent customer service.

Applicants should possess a four-year degree, strong selling and communication skills, and ideally have experience in microfinance and basic computer literacy. Willingness to drive a motorcycle is preferred.

Qualifications

• Graduate of any 4-year degree course.
• Must possess good selling, communication and customer service skills.
• Basic mathematical knowledge is required.
• High integrity is a must.
• Familiarity with computer software including word processing & spreadsheets is preferred.
• Fieldwork and sales experience in Microfinance is an advantage.
• Preferably able to drive a motorcycle.
• Willing to be assigned in Laoag, Ilocos Norte.

Responsibilities

• Actively solicit microfinance loan accounts to meet customer needs.
• Analyze loan applicants' qualifications for feasibility of loans.
• Initiate credit and collection activities to ensure credit quality.
• Coordinate processing and servicing of loan applications.
• Adhere to the bank’s policies and procedures.
• Execute sales and marketing activities to achieve volume targets.
• Attend to client inquiries and other requirements.
• Review and update customer loan files and agreements.

Skills

Selling skills

Communication skills

Customer service skills

Basic mathematical knowledge

Computer software familiarity

Fieldwork and sales experience

Driving a motorcycle

Education

Graduate of any 4-year degree course

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
• Initiate credit and collection activities to ensure credit quality of accounts
• Coordinate with concerned officers and/or other units related to processing and servicing of loan applications and loan clients
• Ensure adherence to the bank’s policies and procedures
• Execute sales and/or marketing activities that will achieve volume targets
• Attend 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
• High integrity
• Preferably familiar with computer software including word processing & spreadsheets
• Fieldwork and sales experience in Microfinance is an advantage
• Preferably able to drive a motorcycle
• Willing to be assigned in Laoag, Ilocos Norte

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.