Branch Collections Associate (Sogod)

City Savings Bank; Sogod; On-site; PHP 223,000 - 391,000; Full time

Job summary

City Savings Bank is seeking a Branch Collection Associate (BCA) to monitor on-time billing and the branch loan portfolio's collections. You will perform redemptions, posting payments, restructuring, field visits, and SMS notifications to reduce non-performing loans.

The role requires a bachelor's degree, comfort with travel across the operating area, and strong communication skills in the local dialect. Driving a motorcycle with a valid license is required to reach customers efficiently.

Qualifications

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

Responsibilities

• Achieve collection and KPI targets for the NPL portfolio.
• Perform collections activities: redemption, posting payments, restructuring, billings, condonation, field visits, and SMS sends.
• Conduct account analyses and assess repayment capability.
• Evaluate opportunities for loan restructuring.
• Prepare and submit required reports on time.
• Verify documents for completeness, timeliness, and accuracy.
• Provide excellent customer service per established standards.

Skills

Communication skills

Driving license (motorcycle)

Travel readiness

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