Branch Head Cebu

The Golden Legacy Financing Corporation; Philippines; Hybrid; PHP 260,000 - 420,000; Full time

Job summary

The Golden Legacy Financing Corporation is seeking a Branch Credit Operations Specialist to oversee loan processing and customer interactions at the Cubao, Quezon City branch. You will ensure policy alignment, coordinate with head office, and drive timely release of loan proceeds.

You will supervise branch staff, mentor juniors, handle CRM interactions, and participate in process improvements to meet customer needs while controlling costs. Experience in credit operations is a plus.

Responsibilities

• Conducts branch loan processing according to credit policies and processes and service level standards.
• Reviews loan agreements to ensure completeness and accuracy according to policy (e.g. payment schedule and computations).
• Approves loans within specified limits and refers loan applications outside those limits to higher approving authorities for approval.
• Coordinates with Head Office for loan payment processing and release; facilitates loan proceeds releasing to borrowers; conducts necessary follow-ups to ensure timely release.
• Attends to issues/ client complaints on loan processing and consults with the credit approval hierarchy for special cases outside current policy provision or level of authority.
• Collaborates with Collection team in addressing and minimizing delinquent accounts within his/her branch loan portfolio
• Identifies areas for process/ policy improvements in accordance with customer needs and company's requirements; provides input to management.
• Acts as the CRM champion in the branch ensuring that day-to-day client interactions are representative of Golden Legacy's brand.
• Provides feedback to Business Development team on improving CRM programs based on customer dealings.
• Coordinates with Operations Department (Admin) in carrying out administrative and housekeeping functions in the branch premises.
• Manages the branch operational budget; advocates economic and efficient use of resources to lower OPEX.
• Oversees custodial and seasonal workers and coordinates issues with their respective manpower agencies.
• Supervises the Branch Credit Operations personnel in the branch, specifically the Credit Assistant.
• Acts as a mentor by providing constructive feedback to one-downs and ensures that an optimal environment for personal improvements.
• Continuously looks for new and innovative ideas to improve personal, team and operational effectiveness.
• Cultivates and encourages a team culture within the branch that is supportive of the company's vision, mission, goals, and strategies.
• rovides needed data for management reporting.
• Performs other duties and responsibilities that may be assigned from time to time.
• 7th Floor, Harvester Corporate Center, 158 P. Tuazon Blvd. corner 7th/8th Avenue Cubao, Quezon City

Job description

What You'll Do

Conducts branch loan processing according to credit policies and processes and service level standards.

Reviews loan agreements to ensure completeness and accuracy according to policy (e.g. payment schedule and computations).

Approves loans within specified limits and refers loan applications outside those limits to higher approving authorities for approval.

Coordinates with Head Office for loan payment processing and release; facilitates loan proceeds releasing to borrowers; conducts necessary follow-ups to ensure timely release.

Attends to issues/ client complaints on loan processing and consults with the credit approval hierarchy (i.e. Senior Loan Officer, Credit Manager, VP Credit) for special cases outside current policy provision or level of authority.

Collaborates with Collection team in addressing and minimizing delinquent accounts within his/her branch loan portfolio

Identifies areas for process/ policy improvements in accordance with customer needs and company's requirements; provides input to management.

Customer Relations Management

Acts as the CRM champion in the branch ensuring that day-to-day client interactions are representative of Golden Legacy's brand.

Provides feedback to Business Development team on improving CRM programs based on customer dealings.

Branch Administrative Management

Coordinates with Operations Department (Admin) in carrying out administrative and housekeeping functions in the branch premises.

Manages the branch operational budget; advocates economic and efficient use of resources to lower OPEX.

Oversees custodial and seasonal workers and coordinates issues with their respective manpower agencies.

Team Management

Supervises the Branch Credit Operations personnel in the branch, specifically the Credit Assistant.

Acts as a mentor by providing constructive feedback to one-downs and ensures that an optimal environment for personal improvements.

Continuously looks for new and innovative ideas to improve personal, team and operational effectiveness.

Cultivates and encourages a team culture within the branch that is supportive of the company's vision, mission, goals, and strategies.

Others

rovides needed data for management reporting.

Performs other duties and responsibilities that may be assigned from time to time.

7th Floor, Harvester Corporate Center, 158 P. Tuazon Blvd. corner 7th/8th Avenue Cubao, Quezon City