Loan Officer

Talavera Meganorth Holdings Corporation; Isabela; On-site; PHP 279,000 - 390,600; Full time

Benefits offered by this job

Maternity & Paternity Leave

Sick Leave

Vacation Leave

Job summary

A local financial institution in Isabela is seeking a full-time employee to oversee loan processes and manage customer portfolios. Candidates must have a Bachelor's degree and 1-3 years of experience in a related field. Proficiency in Microsoft Office and strong communication skills are essential. The role involves preparing reports, negotiating payment arrangements, and ensuring compliance with financial legal requirements. Competitive salary and government mandated benefits are offered.

Qualifications

• 1-3 years of experience in a related field.
• Knowledge on processing business permits.
• Ability to communicate effectively in both technical and non-technical terms.

Responsibilities

• Monitor loan processes and payments.
• Manage customer portfolio and negotiate payment arrangements.
• Prepare monthly, quarterly, and annual reports on loans and payments.

Skills

Critical Thinking

Oral and Written Communication

Customer Focus & Customer Service

Planning and Organizing

Analytical Skills

Negotiation Skills

Education

Bachelor's Degree

Tools

Microsoft Office Suite

Excel

Word

PowerPoint

Job description

On-site - Isabela 1-3 Yrs Exp Bachelor Full-time

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Job Description

Government Mandated Benefits

Maternity & Paternity Leave, Sick Leave, Vacation Leave

Monitors loan processes and payments

• Process new loan applications and loan renewals;
• Prepare loan documents such as Real Estate Mortgage, Promissory note and other supporting documents for the timely release of approved loans;
• Prepare TELA Application Loan for employees
• Review loan agreements to ensure completeness and accuracy based on existing policies;
• Submit processed loan applications to the immediate head for recommendation and for approval of the President;
• Prepare reports of delinquent accounts at least once a week to be submitted to the immediate superior;
• Forward irreconcilable accounts to the immediate head for collection action;
• Ensure that the company loan and payment transactions are recorded accurately;
• Summarize current loans and payments by auditing documents and perform various account reconciliations within the deadline;
• Reconciles financial discrepancies by collecting and analyzing account information;

Manages customer portfolio

• Review, update and maintain clients’ records in an orderly manner to ensure proper monitoring of accounts;
• Negotiate payment arrangement with clients having delinquent loan accounts;
• Provide options for appropriate solutions to customer needs.
• Advise borrowers/clients on the status of the loan application and methods/terms of payment of approved loans;
• Answer prospect clients’ loan inquiries on the different types of loans and credit options including payment terms;
• Maintains customer confidence and protects operations by keeping financial information confidential;
• Support improvement and monitor the relevant customer service / customer satisfaction outcomes for the portfolio.

Prepares loans and payments monthly, quarterly, bi-annual, annual report

• Monitor due checks for rediscounting
• Initiates monthly, quarterly, semi-annual, and annual discussion and review of financial data;
• Serves as the focal person in charge on the recording of updates, and changes in the loans and payments data;
• Go-to person for immediate clarifications and questions about loans and payments in the department;
• Prepares special loans and payments reports by collecting, analyzing, and summarizing account information and trends;
• Answers loans and payments procedures questions by researching and interpreting loans and payments policies and regulations;
• Provides a comprehensive assessment and management of the company’s accounts.

Leads the IBP execution and review of the processes of GJ Lending

• Spearheads the accurate documentation of the process flow of GJ Lending’s loans and payments report;
• Recommend financial actions by analyzing loans and payments options;
• Maintains loans and payments security by following internal controls;
• Discuss the existing process with his/her team;
• Set metrics to measure success;
• Map out the current process;
• Review each individual step;
• Provides clear methods and processes to identify and prioritize risks;
• Creates consistent processes and procedures
• Map a new process.

Other duties and functions

• Field works (BIR, RO, RDO, NOTARY OFFICE, Government offices and LGUs)
• Complies with national, provincial, and local financial legal requirements, and advising management on needed actions;
• Such other duties and responsibilities the management may assign from time to time.

Core Competencies:

• Critical Thinking; Oral and Written Communication; Customer Focus & Customer Service; Knowledge On Processing Business Permit; Planning and Organizing; Collaborative Conflict Management; Effective Decision-Making; Managing Performance; Problem Solving; Keen to details, Quality Management; Resource Management; Strategic Thinking.
• Basic Accounting
• Computer Literacy
• Ability to communicate effectively in both technical and non- technical terms.
• Proficient with Microsoft Office Productivity Tools
• Excel
• Word
• Power Point
• Well versed with Business/Transaction Controls
• Strong ability to effective working relations with other members of the team
• Teamwork
• Strong ability to identify client’s needs, suggest appropriate solutions and maintain productive partnerships with clients.
• Strong Analytical Skills
• Strong Communication Skills
• Verbal

Values and Virtues:

• Professionalism; Love of God; Entrepreneurship and Innovation.
• Hardwork & Dedication; Work Excellence; Focus and Priority; Social Responsibility; Positive Image and Character; “Malasakit”; Customer Relations and Service; Personal and Professional Deportment; Teamwork; Self-Improvement; Personal Integrity; Care for One’s Family Welfare and Unity.

Specific Attributes:

• Negotiation Skills
• Energetic
• Creative
• Influential
• Flexible
• Persistent
• Articulate

Relationship Building Computer Literate Customer Service Skills Financial Literate Attention to Details Analysis and Problem-Solving Written and Verbal Communication Skills Assessor Personal Loan

Working Location

2nd floor, San Fermin. San Fermin, Cauayan City, Isabela, Philippines

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