Loan Associates

BPI DIRECT BANKO,INC. A SAVINGS BANK; Calabanga; On-site; PHP 279,000 - 502,000; Full time

Job summary

BPI Direct Banko, Inc. A Savings Bank in the Philippines seeks a Loan Associate to drive loan origination and maintain portfolio quality while providing strong client service.

The role involves field work (about 95%), familiarity with local markets, and collaboration with the Financial Inclusion and Microfinance Solutions Group to strengthen lending practices and outcomes.

Qualifications

• Graduated with a 4-year degree, preferably in finance/management/economics.
• Sales experience preferred; fresh graduates with strong sales acumen welcome.
• Familiar with the local branch community, markets, and networks.
• Prepared to do field work (about 95% 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 requirements and salient business information for credit evaluation.
• Assess funding structures suitable to client needs.
• Proactive account monitoring and servicing to maintain loan portfolio quality.
• Provide inputs to improve lending policies and guidelines.
• Perform other tasks as assigned by the supervising Business Manager.

Skills

Sales acumen

Community familiarity

Field work

Education

Bachelor's degree in Business/Finance related field

Job description

The Loan 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).