Field Loan Officer

Agrifund AP Finance Company; Pasig; On-site; PHP 201,000 - 312,000; Full time

Job summary

A financial services provider in the Philippines is seeking a Loan Sales Agent to actively market business loan products, conduct credit investigations, and monitor loan accounts. The ideal candidate must have strong communication and negotiation skills, and experience in lending or sales is advantageous. A valid driver's license and access to a motorcycle are required. This position involves fieldwork across several areas including NCR and Tarlac.

Qualifications

• At least High School Graduate or college level.
• Experience in lending, microfinance, sales, CI, or collections.
• Strong fieldwork capability and willingness to travel daily.
• Good communication, negotiation, and closing skills.
• Able to assess business viability and client payment capacity.
• Honest, reliable, and results-oriented.
• Must have a motorcycle and valid driver's license.

Responsibilities

• Actively market and promote business loan products.
• Conduct field visits to assess client business operations.
• Perform thorough credit investigations.
• Monitor loan accounts and ensure timely payments.
• Conduct field follow-ups and collections for overdue accounts.
• Perform credit investigations and prepare CI reports.

Skills

Lending experience

Sales skills

Communication skills

Negotiation skills

Fieldwork capability

Education

High School Graduate or College Level

College level advantageous

Tools

Motorcycle ownership

Job description

Key Responsibilities:

1. Loan Sales & Client Acquisition

• Actively market and promote business loan products starting at ₱300,000.
• Target Small and Medium-Sized Enterprises (SMEs).
• Conduct field visits to assess client business operations, cash flow, and loan eligibility.
• Clearly explain loan terms, requirements, interest rates, and repayment schedules.
• Close loan deals and assist clients in completing and submitting required documentation.
• Build and maintain strong, long-term relationships with clients.

2. Credit Investigation (CI)

• Perform thorough credit investigations through field verification.
• Validate client identity, residence, business operations, and character.
• Gather accurate information and prepare complete CI reports.
• Submit findings and recommendations for loan approval.

3. Collection & Account Monitoring

• Monitor loan accounts and ensure timely payments.
• Conduct field follow-ups and collections for overdue accounts.
• Serve, explain, and document notices to clients with delayed or unpaid accounts.
• Coordinate delinquent cases with management and recommend actions.

Qualifications:

• At least High School Graduate or College Level (Bachelor’s degree is an advantage).
• Experience in lending, microfinance, sales, CI, or collections is an advantage.
• Strong fieldwork capability and willingness to travel daily.
• Good communication, negotiation, and closing skills.
• Able to assess business viability and client payment capacity.
• Honest, reliable, and results-oriented.
• Willing to be assigned in any area as required by company operations.
• Must have a motorcycle and a valid driver’s license.

Available Areas:

• NCR
• Tarlac
• Nueva Ecija