Account Officer 1 (Siniloan, Laguna)

BDO Unibank; San Pablo; On-site; PHP 279,000 - 390,600; Full time

Job summary

A leading banking institution in the Philippines is seeking an individual for the position responsible for achieving loan volume targets while ensuring sound credit quality and excellent customer service. This role includes soliciting microfinance loan accounts, analyzing loan applicants, conducting credit activities, and maintaining compliance with bank policies. Candidates should have a bachelor's degree, strong selling and communication skills, and ideally, experience in microfinance sales. Familiarity with basic software is a plus.

Qualifications

• Graduate of any 4 year degree course.
• Good selling, communication, and customer service skills.
• Basic mathematical knowledge required.
• High integrity is essential.
• Familiarity with computer software, including word processing & spreadsheets is preferred.
• Fieldwork and sales experience in Microfinance is an advantage.
• Must preferably be able to drive a motorcycle.

Responsibilities

• Actively solicit microfinance loan accounts to meet customer business needs.
• Analyze overall loan applicant qualifications for feasibility of loans.
• Initiate credit and collection activities for account credit quality.
• Coordinate with officers on processing loan applications and servicing.
• Ensure adherence to bank policies and procedures.
• Execute sales or marketing activities to achieve volume targets.
• Attend to inquiries and client requirements.
• Review and update customer loan files and agreements.
• Perform additional functions as assigned.

Skills

Selling skills

Communication skills

Customer service skills

Mathematical knowledge

Education

Bachelor's degree

Job description

Job Overview

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: 25315