Credit Officer

BPI DIRECT BANKO,INC. A SAVINGS BANK; Lagawe; On-site; PHP 223,000 - 357,000; Full time

Job summary

BPI DIRECT BANKO,INC. A SAVINGS BANK is seeking a Loans Associate to drive loan origination and maintain loan portfolio quality. The role emphasizes relationship management and client servicing to ensure a healthy loan book.

The position requires a 4-year degree, willingness to conduct extensive field work, and a sales‑oriented mindset. Fresh graduates with strong sales acumen are welcome to apply within our branch network.

Qualifications

• Graduate of a 4-year degree course, preferably in business-related disciplines (Finance / Management / Economics).
• Previous sales experience is needed but also open to fresh graduates with good sales acumen.
• Familiarity with the community of the branch (main markets, target segment, local network and connections).
• Willing to do field work (95% of the time).

Responsibilities

• Identifies and maintains desirable loan accounts in the assigned area.
• Implements marketing strategies to achieve loan origination targets.
• Gathers and validates loan requirements and information for credit evaluation.
• Assesses funding structures suitable to clients’ needs.
• Implements proactive account monitoring and servicing to maintain loan portfolio quality.
• Provides inputs for policy improvements of lending operations.
• Performs other tasks as assigned by the supervising Business Manager.

Skills

Sales experience

Fresh graduates welcome

Community familiarity

Field work

Education

4-year degree in business/finance

Job description

The Loans Associate is responsible in the achievement of loan origination target and maintenance of good loan portfolio quality of the originated loans. Also responsible in relationship management/account servicing to help ensure maintenance of good loan portfolio quality.

1. Identifies, solicits and maintains desirable loan accounts in the assigned area of responsibility.

2. Implements identified marketing strategies geared towards the achievement of loan origination target.

3. Gathers, assesses and validates loan documentary requirements and salient business information on a first hand/personalized basis both on operational and financial aspects necessary as basis for credit evaluation/review and decision.

4. Assesses the most appropriate funding structure and utilization suitable to the clients based on the business' present needs.

5. Implements pro-active account monitoring and servicing activities to help ensure maintenance of good loan portfolio quality.

6. Provides inputs for the improvement of existing policies and guidelines of the lending operation

7. Performs other tasks as may be assigned by the supervising Business Manager of the Financial Inclusion and Microfinance Solutions Group.

Minimum Skills/Qualifications:

1. Graduate of a 4-year degree course, preferably in business-related disciplines (Finance / Management/ Economics, etc.)

2. Previous sales experience is needed but also open to fresh graduates with good sales acumen

3. Familiarity with the community of the branch (main markets, target segment, local network and connections, etc.).

4. Willing to do field work (95% of the time).