LOANS SPECIALIST-SALES (MINGLANILLA, CEBU)

East West Rural Bank, Inc.; Minglanilla; On-site; PHP 240,000 - 420,000; Full time

Job summary

East West Rural Bank, Inc. is seeking a Loans Specialist-Sales (Marketing) to perform site visits, engage customers, and drive loan sales in Cebu/Minglanilla. You will verify documents, underwrite loans, and monitor status, while supporting collections and promotions.

The role requires a 4-year degree, background in loans/microfinance is a plus, strong MS Office skills, and a driving license. Local residency is preferred for timely field work.

Qualifications

• Graduate of a 4-year course, preferably Business-related.
• Background in Loans and Microfinance is an advantage.
• Resident within 30 minutes travel time to the store location.
• Very good MS Office Application Proficiency.
• Good Judgment, verbal and written communication, and problem solving.
• Good human relations, customer-focused, and results oriented.
• Fast learner and willing to learn.
• Detail oriented with integrity and teamwork.
• Has driving skills with a valid license.

Responsibilities

• Do site/area visits (field work) within the area and nearby towns.
• Perform sales and marketing on bank products.
• Engage clients, conduct product orientation and other marketing strategies.
• Facilitate loan applications to clients.
• Verify authenticity of loan document attachments.
• Review loan forms; evaluate, follow up; conduct Know Your Customer and underwriting.
• Ensure efficient loan document prep and processing.
• Facilitate loan approval.
• Monitor loan application status.
• Prepare and submit accurate loan reports on time.
• Monitor loans to maintain low past due rate.
• Ensure releases are billed and deducted on the effective date.
• Prepare justification for deviations.
• Assist in collections and promotion activities.

Skills

Sales & Marketing

Customer engagement

Communication skills

Problem solving

MS Office

Team player

Driving

Attention to detail

Education

Bachelor's degree

Business-related preferred

Tools

MS Office

Job description

Job Duties and Responsibilities for Loans Specialist-Sales (Marketing):

• Do site/ area visits (Field work) within the area and nearby towns

• Perform Sales and Marketing on bank's products

• Do client engagement, perform product orientation, and other marketing strategies of the bank.

• Facilitate Loan Application to Clients

• Verify and check the validity and authenticity of loan application document attachments

• Review Loan Application Forms; Evaluate loan application, perform follow-ups, if necessary, conduct of "Know Your Customer" and loans underwriting

• Ensures efficient loan document preparation and loan processing

• Facilitate approval of loan application

• Monitor loan application status

• Make sure to do accurate, complete and timely loan report preparation and submission.

• Make sure to accurately monitor loans to achieve low to zero past due rate.

• Ensure all releases are billed and duly deducted on the identified effectiveness date

• Prepare/ Compose justification for Deviation

• Assist in collection and promotion activities

Job Qualification and Competencies Requirement:

• Graduate of at least a 4-year course, bachelor’s degree, preferably Business-related courses

• With background in Loans and Microfinance is an advantage

• A resident of the area or of nearby places (within 30 min travel time to the store location)

• Very good MS Office Application Proficiency

• Good Judgment skills

• Good verbal and written communication skills

• Good problem-solving skills

• Very good human relations skills

• Fast Learner and willing to learn

• Customer Focused

• Results Driven

• Good Stress Tolerance

• Keen to details

• With Integrity

• Good team player

• With driving skills (with license)