Loan Associates

BPI DIRECT BANKO,INC. A SAVINGS BANK; Mendez; On-site; PHP 201,000 - 335,000; Full time

Job summary

BPI Direct Banko, Inc. A Savings Bank in Cavite seeks a Loan Associate to drive loan origination and maintain high-quality portfolios. The role emphasizes active field work (about 95%), community engagement, and strong relationship management with clients.

You will identify and solicit loan accounts, assess documentation, and coordinate with the lending team to ensure timely credit decisions and reliable servicing. Fresh graduates with sales flair are welcome to apply.

Qualifications

• Graduate of a 4-year degree in business-related disciplines (Finance / Management / Economics).
• Previous sales experience is needed but open to fresh graduates with good sales acumen.
• Familiarity with the branch community (markets, target segment, local network).
• Willing to do field work (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 structures suitable to clients' needs.
• Implements proactive account monitoring to maintain loan portfolio quality.
• Provides inputs for policy improvements in lending operations.
• Performs other tasks as assigned by the supervising Business Manager.

Skills

Sales acumen

Field work

Community knowledge

Relationship skills

Education

Bachelor's degree in Business/Finance/Economics

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).