Junior Microfinance Credit Officer – Growth & Portfolio

Malayan Savings Bank; Legazpi; On-site; PHP 300,000 - 420,000; Full time

Job summary

Malayan Savings Bank in Legazpi, Philippines, seeks an Account Officer – Microfinance to drive branch loan bookings, process applications, and maintain portfolio quality while supporting collections.

You will supervise Field Credit Associates, lead marketing and client service efforts, conduct KYC validations, field visits, and ensure timely loan release and compliance with bank policies.

Responsibilities

• Achieve assigned loan booking and portfolio growth targets.
• Assist walk-in clients and prospective borrowers with product inquiries and loan applications.
• Conduct product orientations and marketing activities within and outside bank premises.
• Develop and implement effective marketing strategies to expand the branch's client base and generate quality loan leads.
• Process and evaluate loan applications in accordance with bank policies and procedures.
• Gather, review, scan, and upload client documents and requirements.
• Conduct Know Your Customer (KYC) validation for new and repeat loan applicants.
• Perform field visits to verify business operations, inventory, and client information.
• Analyze borrower capacity and creditworthiness and provide recommendations for approval.
• Coordinate loan booking and release activities to ensure timely processing.
• Monitor loan portfolio quality and ensure compliance with PAR targets.
• Discuss payment arrangements and collection strategies with clients.
• Coordinate collection arrangements and endorse delinquent accounts to the appropriate remedial unit when necessary.
• Support collection efforts through client visits and follow-up activities.
• Supervise and monitor the activities of FCAs in marketing, collections, and client servicing.

Job description

Malayan Savings Bank in Legazpi, Philippines, seeks an Account Officer – Microfinance to drive branch loan bookings, process applications, and maintain portfolio quality while supporting collections.

You will supervise Field Credit Associates, lead marketing and client service efforts, conduct KYC validations, field visits, and ensure timely loan release and compliance with bank policies.