Loan Associates

BPI DIRECT BANKO,INC. A SAVINGS BANK; Sara; Vor Ort; PHP 180.000 - 240.000; Vollzeit

Zusammenfassung

BPI Direct Banko, Inc. A Savings Bank is seeking a Loan Associate to drive loan origination targets and maintain a high-quality loan portfolio through proactive relationship management.

The role involves identifying and soliciting loan accounts in the branch vicinity, gathering and validating documentation, proposing suitable funding structures, and performing servicing tasks to ensure credit quality. Field work is required (about 95%).

Qualifikationen

• Graduate of a 4-year degree course, preferably in business-related disciplines (Finance / Management / Economics, etc.).
• Previous sales experience is preferred; fresh graduates with good sales acumen are welcome.
• Familiarity with the branch community, main markets, target segments, and local networks.
• Willing to do field work (95% of the time).

Aufgaben

• Identifies, solicits and maintains desirable loan accounts in the assigned area.
• Implements marketing strategies geared towards achieving loan origination targets.
• Gathers, assesses and validates loan documentary requirements and salient business information for credit evaluation/review.
• Assesses funding structures suitable to the client’s needs.
• 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.

Kenntnisse

Sales experience

Fieldwork

Community familiarity

Communication skills

Ausbildung

Bachelor’s degree in business/finance/economics

Jobbeschreibung

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).