Branch Collections Associate (Baguio)

City Savings Bank; Baguio; On-site; PHP 223,000 - 402,000; Full time

Job summary

City Savings Bank is seeking a Branch Collection Associate (BCA) to monitor on-time billing and collections of the branch loans portfolio. The role includes analyzing accounts, evaluating clients' ability to pay, and taking actions to reduce non-performing loans.

Responsibilities include achieving collection targets, handling redemption, posting payments, restructuring, billings, field visits, SMS communications, and reporting.

Qualifications

• Bachelor's degree is required.
• Experience in loans and collections is an advantage.
• Driving skills with motorcycle license is a must.
• Excellent oral and written communication in the local dialect.

Responsibilities

• Monitor and achieve collection targets for the NPL portfolio.
• Perform redemption, posting of payments, restructuring, billings, condonation, field visits, SMS sends.
• Analyze accounts and assess clients' ability to pay.
• Compute potential loan restructures.
• Prepare and submit all required reports on time.
• Ensure completeness, timeliness and accuracy of documents.
• Provide excellent customer service per established standards.

Skills

Loans & collections experience

Driver's license

Communication skills

Willing to travel

Local dialect proficiency

Education

Bachelor's degree

Job description

Branch Collection Associate (BCA) is responsible for the monitoring and execution of on-time billing and collections of the branch loans portfolio. He also monitors non-performing loans and takes appropriate actions in reducing it.

Specific Responsibilities:

• Achievement of the collection targets as well as operational targets and Key Performance Indicators (KPIs) of the Non-Performing Loan (NPL) portfolio assigned to them.
• Responsible for performing all assigned function in collections activities such as redemption, posting of payments, re-structuring, billings, condonation, field visits, collection letters and Short Messages (SMS) send-out etc.
• Performs account analysis and evaluates client’s capability to pay
• Computes for the possible restructuring of loans
• Accomplishes all assigned necessary reports and submits in a timely manner
• Checks all assigned documents to ensure its completeness, timeliness and accuracy
• Responsible for performing excellent customer service to all clients according to the established standards

Qualifications:

• Bachelor's degree graduate
• Experience in loans and collection is an advantage
• Driving skills is a must (motorcycle), with driver's license
• Good oral and written communication skills with proficiency in the local dialect
• Willing to travel extensively and highly familiar with the area of operations