Auto Financing Accounts Officer — Corporate Lending

Metrobank; Taguig; On-site; PHP 279,000 - 502,000; Full time

Job summary

Metrobank in the The Shops, BGC is seeking an Account Officer to solicit and accredit corporate clients for auto financing and to package auto loan facilities for end buyers and corporate tie-ups. You will lead liaison with dealers, branches and bank departments to source quality accounts and drive target volumes.

The role involves preparing documentation for approvals, negotiating loan packages, and coordinating with multiple units to ensure a smooth funding process while maintaining portfolio

Qualifications

Responsibilities

• Solicits/generates auto credit applications from dealers, walk-in clients and branches.
• Coordinates with branches & various departments of the bank to source out/ solicit quality accounts and referrals in the generation of target volume.
• Plans strategies to enhance the loan program. Recommends systems and procedures to improve process or workflow of the Division.
• Represents the Bank through client calls and site visits to offer/update prospective corporate and developer clients to be able to offer tie-up arrangement that will suit their needs.
• Prepares Call Reports/Interoffice Letters/ Approval Memoranda/ Offering Ticket/ ERCA containing formal recommendation or presentation of package to the Credit Committee.
• Gathers all necessary materials and information to be used for the approval such as FS, ITR, company and individual profile.
• Handles total and complete loan packaging of possible tie-ups/end buyer financing based on the Bank's existing policies & procedures.
• Monitors credit accommodations and maintains quality loan portfolio by reducing unprofitable and past due accounts.
• Identifies and evaluates the risks involved in every proposed tie-up arrangement and ensures that these are properly mitigated or justified.
• Designs and negotiates loan package with clients and management as well and is in close coordination with various departments of the Bank in the process of account management.
• Facilitates tri-media/roadshow presentation of the loan program to prospective clients.
• Pre-screens and processes MetroHome/Metrocar applications referred by Branches, walk-in, solicited, end buyers and repeat clients based on approved terms & conditions of the arranged tie-up.
• Supervises/Oversees Consumer Marketing Assistants on a daily basis.
• Sources out information on market trends, rate competition and the like.
• Performs other related functions that may be assigned from time to time.

Job description

Metrobank in the The Shops, BGC is seeking an Account Officer to solicit and accredit corporate clients for auto financing and to package auto loan facilities for end buyers and corporate tie-ups. You will lead liaison with dealers, branches and bank departments to source quality accounts and drive target volumes.

The role involves preparing documentation for approvals, negotiating loan packages, and coordinating with multiple units to ensure a smooth funding process while maintaining portfolio