Account Officer (Bacolod)

China Banking Corporation (CBC); Western Visayas; On-site; PHP 400,000 - 700,000; Full time

Job summary

A leading banking institution in the Philippines is seeking an Account Officer. The role involves soliciting borrowing accounts, evaluating credit feasibility, and monitoring accounts for timely recovery. Candidates should possess a Bachelor’s degree in business and at least 2 years of relevant banking experience. This position offers opportunities for client engagement and requires strong sales and negotiation skills.

Qualifications

• At least 2 years of related work experience in the banking industry.
• Ability to manage multiple accounts and negotiate effectively.
• Willingness to travel to meet clients and prospects.

Responsibilities

• Solicits and markets potential borrowing accounts.
• Reviews credit feasibility and prepares loan recommendations.
• Monitors accounts to mitigate past due and ensure timely recovery.

Skills

Sales and marketing expertise

Credit evaluation

Negotiation skills

Business strategy

Financial modelling

Cross-selling

Presentation skills

Business writing

Education

Bachelor’s degree in business or related discipline

Tools

Microsoft Office

Job description

The Account Officer solicits/markets potential borrowing accounts, reviews credit feasibility through evaluation of credit requirements and financials, prepares loan recommendation, ensures proper loan and collateral documentation, monitors accounts to mitigate past due and ensure timely recovery of the Bank's exposure.

Job Requirements

Skills and Qualifications

• Bachelor’s degree in business or a related discipline

• At least 2 years of related work experience gained from the banking industry

• Ability to manage multiple accounts while seeking new opportunities

• Ability to understand client needs, and negotiate costs and services

• Proficiency in Microsoft Office, with aptitude to learn systems

• Willingness to travel as needed to meet with clients and prospects

Preferred Skills and Qualifications

• Expert in sales and marketing, credit and lending and portfolio/ account management

• Credit evaluation, financial modelling, business strategy, marketing, contract review, loan structuring, cross-selling, negotiation skills, business development, presentation skills, business writing.

• With network and experience in handling bank products: Commercial Loans and Small Business Loans