Loan Associates

BPI DIRECT BANKO,INC. A SAVINGS BANK; Imus; On-site; PHP 201,000 - 290,000; Full time

Job summary

BPI Direct Banko, Inc. A Savings Bank is seeking a Loan Associate in Cavite (Imus area) to support loan origination targets and maintain portfolio quality. The role focuses on soliciting accounts, evaluating requirements, and delivering customer service.

The ideal candidate is a business graduate, with or without sales experience, familiar with the local branch community and willing to perform field work about 95% of the time.

Qualifications

• Graduate of a 4-year degree in business-related disciplines (Finance/Management/Economics).
• Sales experience preferred; fresh graduates with strong sales acumen are welcome.
• Familiar with the branch community, markets, and local networks.
• Willing to perform field work about 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 and information for credit evaluation.
• Assesses funding structures suitable to clients' needs.
• Monitors and services accounts to maintain loan portfolio quality.
• Suggests improvements to lending policies and guidelines.
• Performs other tasks as assigned by the supervising Business Manager.

Skills

Sales experience

Field work

Sales acumen

Community familiarity

Education

Bachelor's degree

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).