Branch Collections Associate (Diffun)

City Savings Bank; Diffun; On-site; PHP 223,000 - 357,000; Full time

Job summary

City Savings Bank is seeking a Branch Collection Associate (BCA) to monitor and execute on-time billing and collections across the branch loans portfolio. The role includes achieving collection targets, performing activities such as redemption and posting payments, and assessing borrowers' repayment capability.

Qualified applicants hold a bachelor's degree, have driving skills (motorcycle) with a valid license, strong communication in the local dialect, and must be willing to travel extensively

Qualifications

• Bachelor's degree is required.
• Experience in loans and collections is an advantage.
• Driving motorcycle with a valid license is required.
• Strong communication skills in the local dialect.
• Must be willing to travel extensively and be familiar with the area of operations.

Responsibilities

• Achieve collection targets for the NPL portfolio and KPIs.
• Perform collections activities: redemption, posting payments, restructuring, billings, condonation, field visits, SMS sends.
• Analyze accounts and evaluate clients' ability to pay.
• Compute possible loan restructurings as needed.
• Prepare and submit all required reports on time.
• Check documents for completeness, timeliness, and accuracy.
• Provide excellent customer service to clients according to standards.

Skills

Communication skills

Driving skills

Travel readiness

Local dialect proficiency

Customer service

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