Loan Associates

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

Job summary

The Loan Associate at BPI DIRECT BANKO,INC. A SAVINGS BANK will drive loan origination targets while maintaining a quality loan portfolio. The role emphasizes proactive relationship management and customer servicing within the assigned market.

Candidates should have a four-year degree in Finance/Management/Economics and strong sales aptitude. Field work is 95% of duties, with close ties to the branch community.

Qualifications

• Graduate of a 4-year degree course, preferably in business-related disciplines (Finance / Management/ Economics, etc.)
• Previous sales experience is needed but also open to fresh graduates with good sales acumen
• Familiarity with the community of the branch (main markets, target segment, local network and connections, etc.).
• Willing to do field work (95% of the time).

Responsibilities

• Identifies, solicits and maintains desirable loan accounts in the assigned area of responsibility.
• Implements identified marketing strategies geared towards the achievement of loan origination target.
• 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.
• Assesses the most appropriate funding structure and utilization suitable to the clients based on the business’ present needs.
• Implements pro-active account monitoring and servicing activities to help ensure maintenance of good loan portfolio quality.
• Provides inputs for the improvement of existing policies and guidelines of the lending operation
• Performs other tasks as may be assigned by the supervising Business Manager of the Financial Inclusion and Microfinance Solutions Group.

Skills

Sales acumen

Field work

Community networking

Customer service

Education

Bachelor's degree in Finance/Management/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).