Program (Loan) Officer

ECLOF Philippines Microfinance, Inc.; Santa Cruz; On-site; PHP 580,000 - 837,000; Full time

Benefits offered by this job

Competitive salary

Statutory benefits

Professional development

Collaborative culture

Job summary

ECLOF Philippines Microfinance, Inc. is seeking a Program Officer to manage client relationships and oversee loan portfolios within our microfinance programmes.

You will work with clients, internal teams, and community partners to promote financial inclusion, day-to-day programme delivery, and clear reporting on outcomes and portfolio performance.

Qualifications

• Bachelor's degree in business, finance, economics, social sciences, or related field.
• 1–2 years of microfinance, account management, or client relationship management experience.
• Strong understanding of microfinance, lending, and financial inclusion concepts.
• Excellent communication and relationship-building with diverse clients.
• Ability to manage multiple client relationships while maintaining service standards.
• Proficient in basic financial analysis and credit assessment.
• Strong organizational and time-management skills with attention to detail.

Responsibilities

• Manage and maintain relationships with a portfolio of microfinance clients through loan lifecycles.
• Conduct client assessments, verify creditworthiness, and prepare loan documents per policies.
• Monitor loan disbursement, collection, and repayment schedules to meet targets.
• Provide financial literacy training and guidance to clients.
• Facilitate microfinance programmes including savings schemes and group lending.
• Conduct field visits to assess client operations and gather data for evaluation.
• Prepare reports on programme activities, client progress, and portfolio metrics.
• Coordinate with credit, operations, and compliance to deliver programmes smoothly.
• Identify opportunities to expand reach and engage new clients and communities.
• Maintain detailed client records in accordance with data protection and regulatory requirements.

Skills

Client relationship management

Credit assessment

Financial analysis

Communication skills

Time management

Interpersonal skills

Field travel willingness

Education

Bachelor's degree in Business, Finance, Economics, Social Sciences, or related field

Tools

MS Office

Microfinance MIS (preferred)

Job description

About the role

As a Program Officer, you will be responsible for managing client relationships, overseeing loan portfolios, and ensuring the successful implementation of our microfinance programmes. You will work directly with clients, internal teams, and community partners to facilitate access to financial services and support programme activities that drive financial inclusion and economic empowerment.

Key responsibilities

• Manage and maintain relationships with a portfolio of microfinance clients, ensuring regular communication and support throughout the loan lifecycle

• Conduct client assessments, verify creditworthiness, and prepare loan application documentation in accordance with institutional policies and procedures

• Monitor loan disbursement, collection, and repayment schedules to ensure portfolio performance meets organisational targets

• Provide financial literacy training and guidance to clients to promote responsible borrowing and financial management practices

• Facilitate the implementation of microfinance programmes, including savings schemes, group lending initiatives, and business development activities

• Conduct field visits to assess client business operations, identify support needs, and gather information for programme evaluation

• Prepare accurate and timely reports on programme activities, client progress, and portfolio performance metrics

• Coordinate with internal departments including credit, operations, and compliance to ensure smooth programme delivery

• Identify opportunities to expand programme reach and develop strategies to engage new clients and communities

• Maintain detailed and organised client records and documentation in accordance with data protection and regulatory requirements

About you

• Bachelor's degree in Business, Finance, Economics, Social Sciences, or a related field

• Minimum 1-2 years of experience in microfinance, account management, client relationship management, or a similar role within the financial services or development sector

• Strong understanding of microfinance principles, lending practices, and financial inclusion concepts

• Excellent interpersonal and communication skills with the ability to build trust and rapport with diverse clients from various socioeconomic backgrounds

• Demonstrated ability to manage multiple client relationships simultaneously whilst maintaining high service standards

• Proficiency in basic financial analysis and credit assessment

• Strong organisational and time-management skills with meticulous attention to detail

• Proficiency in Microsoft Office applications and experience with microfinance management information systems (preferred)

• Willingness to conduct regular field visits and travel to client locations as required by the role

• Filipino language proficiency is essential; English language proficiency is required

About us

ECLOF Philippines Microfinance, Inc. is committed to providing a supportive and inclusive work environment where our employees can thrive professionally and personally. We are a mission-driven organisation where your efforts directly contribute to meaningful social and economic impact within the communities we serve.

Benefits

• Competitive salary packages commensurate with experience and qualifications

• Statutory benefits in accordance with Philippine labour law

• Opportunities for professional development and training within the microfinance and financial services sector

• Collaborative team culture that values your contributions and insights