Loans Associate

BPI DIRECT BANKO,INC. A SAVINGS BANK; Santa Rosa; On-site; PHP 180,000 - 260,000; Full time

Job summary

BPI Direct BanKo, Inc., a wholly owned subsidiary of the Bank of the Philippine Islands (BPI), is seeking a Loans Associate to drive loan origination and maintain portfolio quality. The role emphasizes field work, relationship building, and diligent documentation for credit evaluation.

Ideal candidates are graduates with a 4-year degree in Finance/Management/Economics or similar, with sales experience or strong sales acumen, and a readiness to operate in the branch community with extensive field

Qualifications

• Graduate of a 4-year degree course.
• Previous sales experience is needed but also open to fresh graduates with good sales acumen.
• Familiarity with the community of the branch (main markets, target segment, local network and connections).
• Willing to do field work (95% of the time).

Responsibilities

• Identifies, solicits and maintains desirable loan accounts in the assigned area.
• Implements marketing strategies geared towards achieving loan origination target.
• Gathers and validates loan documentary requirements for credit evaluation/review and decision.
• Assesses funding structures suitable to clients' needs.
• Implements proactive account monitoring and servicing to maintain loan quality.
• Provides inputs for policy/guideline improvements in lending operations.
• Performs other tasks as may be assigned by the supervising Business Manager.

Skills

Sales experience

Field work

Education

4-year degree (Finance / Management / Economics)

Job description

About the role

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.

• Identifies, solicits and maintains desirable loan accounts in the assigned area of responsibility.
• Implements identified marketing strategies geared towards the achievement of loan origination target.
• 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.
• Assesses the most appropriate funding structure and utilization suitable to the clients based on the business’ present needs.
• Implements pro-active account monitoring and servicing activities to help ensure maintenance of good loan portfolio quality.
• Provides inputs for the improvement of existing policies and guidelines of the lending operation
• Performs other tasks as may be assigned by the supervising Business Manager of the Financial Inclusion and Microfinance Solutions Group.

What we are looking for:

• Graduate of a 4-year degree course, preferably in business-related disciplines (Finance / Management/ Economics, etc.)
• Previous sales experience is needed but also open to fresh graduates with good sales acumen
• Familiarity with the community of the branch (main markets, target segment, local network and connections, etc.).
• Willing to do field work (95% of the time).

About us

BPI Direct BanKo, Inc., a wholly owned subsidiary of the Bank of the Philippine Islands (BPI), is committed to advancing financial inclusion. Through accessible, convenient, and affordable loan products, BanKo empowers self-employed microentrepreneurs (SEMEs) to fuel their operations and business growth. By enhancing the financial capabilities of its clients, BanKo aspires to positively impact their quality of life and play a pivotal role in fostering the economic growth of the Philippines.