Loans Associate

BPI DIRECT BANKO,INC. A SAVINGS BANK; Marilao; On-site; PHP 201,000 - 312,000; Full time

Job summary

BPI Direct Banko, Inc. A Savings Bank in the Philippines is seeking a Loans Associate to drive loan origination and maintain portfolio quality. You will identify and solicit loan accounts, implement marketing strategies, and service clients to sustain strong credit performance.

The role requires a 4-year degree in Finance/Management/Economics, sales aptitude (fresh grads welcome), and willingness to do field work 95% of the time within the branch community.

Qualifications

• Graduate of a 4-year degree, preferably in Finance/Management/Economics.
• Sales experience preferred; fresh graduates with strong sales aptitude are welcome.
• Familiar with the branch community, markets, and local networks.
• Willing to do field work (about 95% of the time).

Responsibilities

• Identify, solicit, and maintain desirable loan accounts in the assigned area.
• Implement identified marketing strategies geared towards achieving loan origination targets.
• Gather, assess, and validate loan documentary requirements and salient business information for credit evaluation.
• Assess the most appropriate funding structure for clients based on their needs.
• Implement proactive account monitoring and servicing activities to maintain loan portfolio quality.
• Provide inputs for improving lending policies and guidelines.
• Perform other tasks as assigned by the supervising Business Manager of the Financial Inclusion and Microfinance Solutions Group.

Skills

Sales acumen

Field work

Community familiarity

Sales experience

Education

Bachelor's degree (4-year)

Job description

Job Description

The Loans 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).