Credit Assistant - Cebu

The Golden Legacy Financing Corporation; Cebu City; On-site; PHP 100,000 - 400,000; Full time

Job summary

A financial service provider in Cebu City is seeking a support role for Branch Credit Operations. The candidate will assist in loan processing, engage with clients, and maintain branch premises in line with company standards. This position requires effective communication skills and a commitment to enhancing customer service practices.

Responsibilities

• Assist the Branch Head in credit operations and loan processing.
• Engage clients and address their inquiries regarding loan applications.
• Support the maintenance of branch premises and inventory.

Job description

Job Summary

Supports and assists the Branch Head in credit operations and in the maintenance of branch premises in accordance with company standards.

Key Responsibilities

• Branch Credit Operations: Assists the Branch Head in credit operations and loan processing, including receiving clients and attending to their inquiries, pre-screening clients, conducting verification processes, encoding loan information, and providing feedback to concerned parties.
• Branch Credit Operations tasks include:
• Receives clients and attends to their inquiries regarding loan application
• Pre-screens clients to determine their financial needs, pension type and eligibility for loan application; secures the necessary documentation to facilitate loan processing
• Conducts the appropriate verification process to determine clients pension status, loanable limits, and accuracy of information provided in submitted requirements
• Encodes loan information to database and prepares the necessary documentation to initiate the loan approval process
• Provides timely feedback to concerned parties (e.g. walk-ins/ sales agent) on status of application to facilitate remedial action and minimize delays in processing (e.g. due to lack of proper documentation)
• Coordinates with Head Office for loan payment processing and release; facilitates loan proceeds releasing to borrowers; conducts necessary follow-ups to ensure timely release
• Assists the Branch Head in preparing documents/ data for management reporting
• Identifies areas for process improvements in accordance with customer needs and company's requirements; provides input to Branch Head/ Credit management
• Customer Relations Management: Engages clients and attends to their inquiries according to Golden Legacy's customer service standards, and suggests ways to improve customer service practices.
• Branch Administrative Management: Supports and assists the Branch Head in ensuring the cleanliness and maintenance of branch premises, including maintaining an inventory of office supplies, efficient filing system, and record of office expenses.
• Others: Performs other duties and responsibilities that may be assigned from time to time.