Remedial Account Officer

RCBC; Legazpi; On-site; PHP 279,000 - 502,000; Full time

Job summary

RCBC is seeking a collection professional to manage delinquent consumer loans, focusing on PDL and NPL recovery. The role involves proactive outreach via field visits, calls, and emails, aiming to minimize losses and maximize recoveries within approved guidelines.

The ideal candidate has banking experience in lending/remedial management, strong negotiation skills, and proficiency in MS Office. You will work with the Remedial Management team to ensure compliance with regulations and effective

Qualifications

• Graduate in Business Management or related field.
• At least 2 years of banking experience in lending/remedial management or credit analysis.
• Knowledge of basic account management, documentation, legal procedures, negotiations, and risk management.

Responsibilities

• Manage delinquent consumer loans (PDL/NPL) through field visits, calls, and emails.
• Evaluate clients’ financial capacity and explore repayment options.
• Negotiate repayment terms and obtain client concurrence with risk mitigation programs.

Skills

Communication skills

Microsoft Office

Analytical thinking

Problem solving

Organizational skills

Education

Business Management (related course)

Tools

Word

Excel

PowerPoint

Job description

Job Summary

• Management of delinquent consumer loans by mitigating, reducing, and resolving Past Due Loans (PDL) and Non-Performing Loans (NPL). This includes timely and effective collection through field visits, calls, and emails (pay-off, updating, partial payment, debt restructuring/payment workout), foreclosure, or other loan resolution methods. The role aims to achieve Leakage and Recovery targets at minimal cost, maintain an acceptable loan delinquency ratio, and generate income from bad debt recovery and other sources.

How will you contribute?

• Probe, resolve and update Past Due Loans (PDL) and Non-Performing Loans (NPL) of the bank’s consumer loans portfolio assigned to the Unit through telephone and field collection, remedial management and recovery/resolution.
• Evaluate client’s financial and debt service capacities as reasons for loan delinquency and traces whereabouts of borrowers and other assets if contact is negative and implement alternative courses of action within the approved guidelines
• Negotiate with clients on acceptable repayment risk programs and set terms and conditions and obtains client’s concurrence with the risk mitigation programs offered

What will make you successful?

• Graduate of Business Management of any related course;
• At least 2 years banking experience preferably in the area of lending/account management, remedial management, credit analysis.
• With working knowledge of basic account management, basic documentation, legal procedures and practices, negotiations, policies, practical business orientation, remedial management, risk management and technical expertise
• Well-versed in BIR, SEC and BSP Regulations
• With supervisory/team leader experience and know-how in handling past due consumer loans from early aging to litigation gained from Banks, Financial Institutions or Collection Agency;
• Good written and oral communication skills; Proficient in Microsoft Office Applications (Word, Excel, PowerPoint),
• Excellent organizational, analytical and problem solving skills.