Loan Associates

BPI DIRECT BANKO,INC. A SAVINGS BANK; Tangalan; On-site; PHP 260,000 - 380,000; Full time

Job summary

BPI DIRECT BANKO, INC. A SAVINGS BANK is seeking a Loan Associate to drive loan origination and maintain a high-quality loan portfolio.

The role emphasizes field engagement and strong relationship management with clients and local partners to grow lending activities. Responsibilities include identifying and soliciting loan accounts in the assigned area, collecting and validating documents, assessing funding structures, and supporting policy improvements under supervision of the Financial

Qualifications

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

Responsibilities

• Identify, solicit and maintain desirable loan accounts in the assigned area.
• Implement marketing strategies to achieve loan origination targets.
• Gather, assess and validate loan documents and key business information for credit evaluation.
• Assess funding structures suitable to client needs and loan purpose.
• Proactively monitor accounts to maintain loan portfolio quality.
• Suggest policy and guideline improvements for lending operations.
• Perform other tasks as assigned by the supervising Business Manager.

Skills

Sales experience

Local market familiarity

Willingness for field work

Education

4-year degree in business-related disciplines

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).