Loan Associates

BPI DIRECT BANKO,INC. A SAVINGS BANK; San Juan; Sur place; PHP 240 000 - 420 000; Plein temps

Résumé du poste

BPI DIRECT BANKO, INC. A SAVINGS BANK seeks a Loan Associate to drive loan origination and maintain a high-quality loan portfolio. The role also supports relationship management and account servicing to ensure ongoing portfolio health.

You will identify and cultivate loan accounts within the assigned area, gather required documents, assess funding structures, and monitor accounts to sustain policy compliance and portfolio performance.

Qualifications

• Graduate with a 4-year degree in business-related disciplines such as Finance, Management or Economics.
• Sales experience is preferred; fresh graduates with strong sales acumen are welcome.
• Familiarity with the branch community, main markets, target segments, and local networks.

Responsabilités

• Identifies, solicits and maintains desirable loan accounts in the assigned area.
• Implements identified marketing strategies to achieve loan origination targets.
• Gathers, assesses and validates loan documentary requirements and salient business information for credit evaluation.
• Assesses the most appropriate funding structure and utilization for clients.
• Implements proactive account monitoring and servicing to maintain loan portfolio quality.
• Provides inputs for improving lending policies and guidelines.
• Performs other tasks as assigned by the supervising Business Manager of the Financial Inclusion and Microfinance Solutions Group.

Connaissances

Sales experience

Field work

Local market familiarity

Sales acumen

Formation

Bachelor's degree in Finance / Management / Economics (4-year)

Description du poste

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.

• 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.

Minimum Skills/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).