Field Sales Associate | Dumaguete

BPI DIRECT BANKO,INC. A SAVINGS BANK; Dumaguete; On-site; PHP 201,000 - 335,000; Full time

Job summary

Loans Associate role at BPI Direct Banko, Inc. A Savings Bank in Dumaguete, Philippines, focuses on achieving loan origination targets and maintaining loan portfolio quality across the assigned area.

The position requires familiarity with the local market, willingness to perform field work throughout the community, and the ability to solicit, assess, and service loan accounts while supporting lending policies.

Qualifications

• Graduate of a 4-year degree course, preferably in business-related disciplines (Finance / Management/ Economics, etc.)
• 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, etc.).
• Willing to do field work (95% of the time).

Responsibilities

• Identifies, solicits and maintains desirable loan accounts in the assigned area of responsibility.
• Implements identified marketing strategies geared towards the achievement of loan origination target.
• 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.
• Assesses the most appropriate funding structure and utilization suitable to the clients based on the business' present needs.
• Implements pro-active account monitoring and servicing activities to help ensure maintenance of good loan portfolio quality.
• Provides inputs for the improvement of existing policies and guidelines of the lending operation
• Performs other tasks as may be assigned by the supervising Business Manager of the Financial Inclusion and Microfinance Solutions Group.

Skills

Sales experience

Field work

Local market knowledge

Education

4-year degree

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).