Branch Collections Associate (Echague)

City Savings Bank; Echague; On-site; PHP 180,000 - 240,000; Full time

Job summary

City Savings Bank is seeking a Branch Collection Associate (BCA) in Isabela to monitor on-time billing and collect on the branch loan portfolio. You will handle redemption, posting payments, restructuring, field visits, and SMS communications to ensure timely collections.

You will evaluate borrowers' ability to pay, prepare reports, and maintain high standards of customer service across the branch network. Willingness to travel within the area is required.

Qualifications

• Bachelor's degree required.
• Collection/loan experience is an advantage.
• Motorcycle driving skills with a valid license.
• Good oral and written communication in local dialect.
• Willing to travel extensively and familiar with the area.

Responsibilities

• Achieve collection and operational targets and KPIs for the NPL portfolio.
• Perform collections tasks: redemption, posting payments, restructuring, billings, condonation, field visits, SMS sends.
• Analyze accounts and assess clients' ability to pay.
• Compute possible loan restructures.
• Prepare and submit required reports in a timely manner.
• Check documents for completeness, timeliness, and accuracy.
• Provide excellent customer service per established standards.

Skills

Loan collections

Driving license

Customer service

Communication skills

Local area knowledge

Willingness to travel

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