Loans Associate

BPI DIRECT BANKO,INC. A SAVINGS BANK; Ozamiz; On-site; PHP 180,000 - 240,000; Full time

Job summary

BPI DIRECT BANKO,INC. A SAVINGS BANK is seeking a Loan Associate to drive loan origination and maintain portfolio quality in its assigned area. You will solicit and manage loan accounts, gather documents, and assess funding structures to meet client needs.

The role requires a 4-year degree, sales aptitude, local market familiarity, and willingness to conduct field work approximately 95% of the time. Join a growth-focused team in the Philippines.

Qualifications

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

Responsibilities

• Identify, solicit, and maintain desirable loan accounts within the assigned area.
• Implement marketing strategies to achieve loan origination targets.
• Gather, assess, and validate loan documentary requirements for credit evaluation.
• Determine funding structures suitable to clients' present needs.
• Monitor and service accounts to maintain loan portfolio quality.
• Suggest improvements to lending policies and guidelines.
• Perform other tasks as assigned by the supervising Business Manager.

Skills

Sales acumen

Community familiarity

Communication skills

Networking ability

Education

Bachelor's degree in Business/Finance

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).