Field Sales Associate | Capiz

BPI DIRECT BANKO,INC. A SAVINGS BANK; Capiz; On-site; PHP 180,000 - 260,000; Full time

Job summary

The Loans Associate at BPI Direct Banko, Inc. is responsible for achieving loan origination targets while maintaining a quality loan portfolio. The role also covers relationship management and account servicing to ensure ongoing portfolio health.

Key duties include soliciting loan accounts, executing marketing activities, validating documentation for credit evaluation, and selecting funding structures best suited to client needs. Field work is a major component of this role.

Qualifications

• Graduate with a 4-year degree, preferably in Finance, Management or Economics.
• Sales experience is preferred; fresh graduates with strong sales acumen are welcome.
• Familiarity with the branch community, local networks and markets.
• Willing to do field work (95% of the time).

Responsibilities

• Identify, solicit and maintain desirable loan accounts in the area of responsibility.
• Implement marketing strategies to achieve loan origination targets.
• Gather, assess and validate loan documentary requirements for credit evaluation.
• Determine appropriate funding structures based on client needs.
• Monitor and service accounts to maintain loan portfolio quality.
• Provide inputs to improve lending policies and guidelines.
• Perform other tasks as assigned by the supervising Business Manager.

Skills

Sales experience

Field work

Community familiarity

Sales acumen

Education

4-year degree in Finance/Management/Economics

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).