Loans Officer

Eight Under Par (Pawnshop Operator), Inc.; General Santos; On-site; PHP 300,000 - 420,000; Full time

Job summary

Eight Under Par (Pawnshop Operator), Inc. is seeking a Sales & Marketing professional in General Santos to drive loan client acquisition and manage end-to-end client relationships. The role includes soliciting prospects, evaluating eligibility, and coordinating with the lending team to ensure smooth loan processing.

The position requires 1–3 years of lending sales experience, strong communication skills, and a customer-focused approach to meet targets in a fast-paced pawnshop lending environment.

Qualifications

• At least 1–3 years of sales experience in lending with a financing company, cooperative or bank.
• Solid understanding of lending products and practices.
• Excellent communication and interpersonal skills.
• Customer satisfaction orientation and sales competencies.
• Ability to work in a goal‑oriented environment.

Responsibilities

• Solicits potential quality loan clients and presents product features to prospective clients.
• Attends to referrals from Palawan Pawnshop branches; sets calls/appointments and explains features.
• Inputs client information into the system for pipeline monitoring and management.
• Conducts initial credit investigation to determine eligibility of prospective clients.
• Collects and authenticates documentary requirements for credit evaluation and appraisal.
• Coordinates with Lending Center Head and submits Loan Recommendation Memo for loan package review.
• Creates opportunities to cross-sell Palawan Pawnshop Group products and services.
• Prepares monthly sales plans including area mapping and prospective client lists.
• Monitors loan payments for timely action until settlement.
• Performs mortgage collateral procedures and assists during loan disbursements.
• Ensures compliance of deficient documents per checklist.

Skills

Sales experience

Lending products

Communication skills

Customer orientation

Goal-oriented

Job description

Sales & Marketing

1. Solicits potential quality loan clients.

2. Attends to all client referrals from Palawan Pawnshop branches. Sets client calls/appointments and presents the product features to a prospective client.

3. Inputs all client information into the system for pipeline monitoring and management.

4. Conducts initial credit investigation to determine if prospective clients meet the eligibility criteria.

5. Collects and ensures the authenticity of all documentary requirements needed for credit investigation, evaluation, and appraisal.

6. Coordinates with Lending Center Head and submits Loan Recommendation Memo (LRM – sales portion) for the loan package to be evaluated by the Credit Department.

7. Creates opportunities to cross-sell Palawan Pawnshop Group products and services.

8. Prepares monthly sales plans including area mapping and listing of prospective clients (solicited and referred).

Account Management

1. Regularly monitor clients’ loan payments for timely and accurate action until the loan is fully settled.

2. Conduct a loan utilization report thirty (30) days after the loan has been released to ascertain use against declared purpose, to be covered with a call report for filing in the credit folder and loans system.

3. Conducts regular maintenance calls at least once every 6 months for client interviews, validation and follow‑up for renewal purposes, to be covered with a call report for filing in the credit folder and loans system.

4. Processes loan renewals and additional credit lines whenever applicable.

5. Performs procedures necessary on mortgage of collaterals for the security of the borrower’s accounts.

6. Assists and accommodates clients during loan disbursements.

7. Ensures compliance of deficient documents as per ‘Checklist of Documentary Requirements’.

8. Conducts client follow‑up for updated requirements like tax compliance, insurance requirements, and other clearances, as required by the Credit Department.

9. Prepares detailed monthly remedial
   

Qualifications:

• At least 1-3 years of sales experience in lending with a financing company, cooperative or bank.

• Solid understanding of lending products and practices

• Excellent communication and interpersonal skills

• Customer satisfaction orientation and sales competencies

• Ability to work in a goal‑oriented environment