Account Officer 1

BDO Unibank, Inc.; Laoag; On-site; PHP 260,000 - 420,000; Full time

Job summary

BDO Unibank, Inc. is seeking a dedicated loan officer to fulfill microfinance loan targets in Laoag, Ilocos Norte. The role focuses on soliciting loan accounts while maintaining profitability and credit quality, and delivering strong customer service.

You will analyze applicants, initiate collections when needed, coordinate processing with other units, and ensure adherence to bank policies. Strong selling and communication skills are essential, with basic math ability and integrity.

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.

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

Skills

Sales

Communication

Customer service

Mathematics

Integrity

MS Office

Microfinance experience

Motorcycle driving

Education

Bachelor's degree

Tools

MS Word/Excel

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.

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.

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