Junior Microfinance Loan Officer & Field Operations

Malayan Savings Bank; Angeles; On-site; PHP 240,000 - 360,000; Full time

Job summary

Malayan Savings Bank is seeking an Account Officer – Microfinance to achieve branch loan booking targets, manage loan applications, and maintain portfolio quality. The role also supervises Field Credit Associates, supports marketing and client service, and collaborates with management to ensure timely processing and effective collections in a fast-paced banking environment.

This position requires strong KYC, documentation, and customer-facing skills to grow the microfinance portfolio.

Qualifications

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 the Bank's Portfolio at Risk (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 Field Credit Associates (FCAs) in marketing, collections, and client servicing.
• Review and validate collections handled by FCAs.
• Ensure timely and efficient delivery of customer service.
• Address operational issues and provide guidance to team members.
• Evaluate FCA performance and recommend developmental actions to improve productivity and effectiveness.
• Prepare and submit required microfinance and portfolio reports.
• Maintain accurate client records and documentation.
• Perform other duties and responsibilities as assigned by management.

Job description

Malayan Savings Bank is seeking an Account Officer – Microfinance to achieve branch loan booking targets, manage loan applications, and maintain portfolio quality. The role also supervises Field Credit Associates, supports marketing and client service, and collaborates with management to ensure timely processing and effective collections in a fast-paced banking environment.

This position requires strong KYC, documentation, and customer-facing skills to grow the microfinance portfolio.