Field Sales Associate | San Jose, Antique

BPI DIRECT BANKO,INC. A SAVINGS BANK; San Jose; On-site; PHP 180,000 - 240,000; Full time

Job summary

BPI DIRECT BANKO,INC. A SAVINGS BANK is seeking a Loans Associate to support loan origination targets and maintain a healthy loan portfolio. The role emphasizes relationship management and client servicing to assure ongoing quality.

Key duties include soliciting loan accounts, implementing marketing strategies, gathering and validating loan documents, and recommending funding structures suited to client needs. Field work is required for the role (about 95% of the time).

Qualifications

• Bachelor's degree in Finance/Management/Economics or related field.
• Prior sales experience preferred but fresh graduates with strong sales sense welcome.
• Familiarity with the branch community and local networks.
• Willing to perform field work (approximately 95% of the time).

Responsibilities

• Identifies, solicits and maintains desirable loan accounts in the assigned area.
• Implements marketing strategies to achieve loan origination targets.
• Gathers, assesses and validates loan documentary requirements for credit evaluation.
• Assesses funding structure and utilization for clients' needs.
• Performs proactive account monitoring and servicing to maintain loan portfolio quality.
• Provides inputs for improvements to lending policies and guidelines.
• Performs other tasks as assigned by the supervising Business Manager.

Skills

Sales acumen

Field work

Community familiarity

Education

Bachelor's 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).