Credit Relationship Officer

Finex.ph Lending Solutions Corp.; Makati; On-site; PHP 390,600 - 558,000; Full time

Benefits offered by this job

Government-mandated contributions

13th Month Pay

HMO

Company events and activities

Opportunities for promotion and incentives

Job summary

A financial services company is seeking a Credit Relationship Officer (CRO) to drive sales and expand the client portfolio while maintaining high credit quality standards. Ideal candidates should have experience in sales and credit management, with strong communication and analytical skills. Responsibilities include sourcing loan clients, managing portfolios, and ensuring client satisfaction. The role offers competitive benefits including 13th Month Pay and career advancement opportunities.

Qualifications

• Proven experience in sales, lending, or credit management.
• Strong interpersonal, communication, and negotiation skills.
• Ability to analyze financial data and make sound credit decisions.
• Self‑motivated with a results‑oriented mindset.

Responsibilities

• Source and acquire new loan clients.
• Manage and grow an assigned loan portfolio.
• Assess credit applications and evaluate creditworthiness.
• Monitor repayment schedules and portfolio performance.
• Provide insights to management for improving loan products.

Skills

Sales expertise

Communication skills

Credit evaluation

Interpersonal skills

Negotiation skills

Job description

Credit Relationship Officer (CRO)

Location: San Isidro Makati City

Employment Type: Full-time

About the Role

We are seeking a dynamic Credit Relationship Officer (CRO) to drive sales, expand our client portfolio, and support sustainable revenue growth while maintaining high credit quality standards. This role is ideal for a motivated professional who thrives in business development, client relationship management, and credit evaluation.

Key Responsibilities

Sales Generation & Business Development

• Source and acquire new loan clients within the assigned territory.
• Develop and implement strategies to meet or exceed monthly and quarterly sales targets.
• Build and maintain a strong sales pipeline through field visits, networking, and market prospecting.
• Promote the company’s loan products and services to potential clients.

Portfolio Growth & Account Management

• Manage and grow an assigned loan portfolio.
• Cross-sell and upsell additional loan products to existing clients.
• Maintain long‑term client relationships to encourage repeat business.
• Ensure high client satisfaction and retention.

Credit Evaluation & Processing

• Assess credit applications and evaluate client creditworthiness.
• Gather and review financial documents and background information.
• Coordinate with credit and operations teams to ensure timely approvals.
• Ensure accurate and complete submission of loan documentation.

Portfolio Quality & Collections Support

• Monitor repayment schedules and portfolio performance.
• Follow up on due and overdue accounts proactively.
• Minimize delinquency and maintain healthy portfolio ratios.
• Identify risk accounts and recommend corrective actions.

Market Intelligence & Reporting

• Monitor competitor activities and market trends.
• Provide insights to management for improving loan products and sales strategies.
• Submit regular sales and portfolio performance reports.

Key Performance Indicators (KPIs)

• Monthly Sales Production (Loan releases / booked accounts)
• New Client Acquisition Rate
• Portfolio Growth Rate
• Portfolio Quality (Low delinquency ratio)
• Revenue Contribution
• Client Retention & Repeat Business Rate

Qualifications

• Proven experience in sales, lending, or credit management.
• Strong interpersonal, communication, and negotiation skills.
• Ability to analyze financial data and make sound credit decisions.
• Self‑motivated with a results‑oriented mindset.

Benefits

• Government‑mandated contributions (SSS, PhilHealth, Pag‑IBIG, and applicable taxes)
• 13th Month Pay
• HMO (subject to company policy)
• Company events and activities
• Opportunities for promotion, incentives, and salary increases
• Other benefits in accordance with company policy