Field Collection Officer

Ermano Lending Corporation; Cebu City; On-site; PHP 1,800,000 - 2,400,000; Full time

Job summary

Ermano Lending Corporation is seeking a Field Collection Officer to securely collect loan payments, monitor accounts, and conduct scheduled field visits to borrowers in designated areas. The role requires strong verbal communication, basic math, and the ability to travel daily; you will document transactions, issue receipts, and report issues to supervisors.

The position is based in Cebu City, with field travel across assigned collection areas.

Qualifications

• Senior High School graduate; college level preferred.
• Experience in collections, sales, field operations, lending, microfinance, or customer service is an advantage.
• Willing to conduct daily field work.
• Good communication skills.
• Basic mathematical ability.
• Able to use smartphone/mobile applications.
• Able to travel within assigned collection areas.
• Physically capable of performing regular field duties.
• Previous lending collection experience preferred.
• Knowledge of local communities preferred.

Responsibilities

• Review assigned accounts before field activities, including borrower details, due dates, and balances.
• Organize daily collection route according to priority and location.
• Visit borrowers to remind payments, collect payments, and confirm amounts.
• Record every payment and issue receipts or acknowledgments.
• Record unsuccessful collection attempts and schedule follow-ups.
• Review borrower payment history and determine non-payment reasons.
• Obtain and record promise-to-pay commitments and follow up accordingly.
• Safeguard funds and remit collections per policy.
• Direct borrowers to authorized payment channels and verify payment references.
• Document each field visit with all relevant details and observations.

Skills

Communication skills

Basic mathematical ability

Smartphone usage

Willing to travel

Daily field work

Physically capable

Lending/collections experience

Local knowledge of communities

Education

Senior High School graduate

College level preferred

Tools

Mobile payment apps

Job description

About the role

The Field Collection Officer / Collection Agent is responsible for the timely and professional collection of loan payments from assigned borrowers, monitoring account status, conducting scheduled field visits, following up overdue accounts, documenting collection activities, and ensuring that all payments received are properly recorded and remitted according to company procedures. The Collection Officer represents the company in the field and is expected to maintain professionalism, integrity, confidentiality, and respectful communication at all times.

Key responsibilities

• Review assigned accounts before beginning field activities, including borrower name, loan/account number, payment schedule, amount due, due date, outstanding balance, past-due amount, previous payment history, previous collection notes, and promise-to-pay commitments
• Organize the daily collection route according to priority, location, due dates, and management instructions
• Visit borrowers according to the approved collection schedule, remind borrowers of upcoming or current payments, collect authorized payments, and confirm the amount received
• Properly record every payment, provide the appropriate official receipt or payment acknowledgment, and update the borrower's collection status
• Record unsuccessful collection attempts, schedule appropriate follow-up actions, and report material collection issues to the supervisor
• Review borrower payment history for overdue accounts, contact borrowers through authorized communication channels, conduct field visits when required, and determine the reason for non-payment
• Obtain realistic promise-to-pay commitments when appropriate, record the promised payment date and amount, follow up on the commitment, and report broken promises to pay
• Safeguard company funds while in custody, count payments in the presence of the borrower whenever practicable, keep collected funds secure, and remit collections according to company policy
• Direct borrowers only to authorized company payment channels for digital payments, verify payment references, confirm the correct borrower/account, and record transactions accurately
• Document every material field visit with date, time, borrower, loan ID, location/area, purpose of visit, result of visit, amount collected, payment status, borrower's response, promise-to-pay if applicable, next action, and relevant observations

About you

• Senior High School graduate; college level preferred
• Experience in collections, sales, field operations, lending, microfinance, or customer service is an advantage
• Willing to conduct daily field work
• Good communication skills
• Basic mathematical ability
• Able to use smartphone/mobile applications
• Able to travel within assigned collection areas
• Physically capable of performing regular field duties
• Previous lending collection experience preferred
• Knowledge of local communities preferred