Field Sales Associate | Guihulngan

BPI DIRECT BANKO,INC. A SAVINGS BANK; Guihulngan; On-site; PHP 257,000 - 368,000; Full time

Job summary

BPI Direct Banko, Inc. A Savings Bank seeks a Loans Associate to support loan origination targets and maintain a high-quality loan portfolio in Negros Oriental.

The role emphasizes relationship management and client servicing to ensure ongoing loan performance. Key duties include identifying and soliciting loan accounts in the branch area, gathering and validating loan documents, and recommending optimal funding structures.

Qualifications

• Graduate of a 4-year degree, preferably in Finance / Management / Economics.
• Sales experience preferred, open to fresh graduates with strong sales acumen.
• Familiarity with the local branch community and networks.
• Willing to perform field work most of the time.

Responsibilities

• Identify, solicit and maintain desirable loan accounts in the assigned area.
• Implement marketing strategies to achieve loan origination targets.
• Gather, assess and validate loan documentary requirements for credit evaluation and decision.
• Assess funding structures suitable to clients’ needs.
• Implement proactive account monitoring and servicing to maintain loan portfolio quality.
• Provide inputs for policy/guideline improvements in lending operations.
• Perform other tasks as may be assigned by the supervising Business Manager.

Skills

Sales experience

Field work

Community familiarity

Education

Bachelor's 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).