Roving Credit Assistant

BPI DIRECT BANKO,INC. A SAVINGS BANK; San Fernando; On-site; PHP 201,000 - 312,000; Full time

Job summary

BPI DIRECT BANKO,INC. A SAVINGS BANK is hiring a Credit Associate to review loan applications, conduct field visits, and verify borrower information.

You will assess repayment capacity and support the credit process and committee decisions, helping to ensure quality lending and informed credit decisions at the branch level. The role requires a 4-year degree, 2 years in microfinance or banking, and willingness to travel for field work.

Qualifications

• Bachelor's degree in Finance/Management/Economics or related field.
• Minimum 2 years of banking or microfinance experience knowledge in individual lending.
• Familiarity with the local branch community and networks.

Responsibilities

• Review loan applications prepared by loan associates.
• Conduct site visits to verify client information.
• Check eligibility and ensure data accuracy for loans.
• Submit loan decisions to Credit Officer or committee within mandate.
• Assist in credit analysis workshops and knowledge sharing.

Skills

Willing field work

Credit analysis

Data quality awareness

Lending knowledge

Education

Bachelor's degree in Finance/Management/Economics

Job description

Job Description

The Credit Associate is responsible, in some cases even through field visits, for checking and assessing the capacity of repayment of new and existing loan applicants. Participates in credit committee meetings to enhance the decision-making process to extend credit to these clients and is in charge of developing the credit knowledge and credit skills among the members of the Branch.

Duties & Responsibilities:

• Review and check applications conducted by loan associates.


• Ensure data and information is accurate and of acceptable quality.


• Check applicant’s eligibility criteria.


• Conduct site visits at client’s business premises (on a sample basis), to verify the existence of clients and accuracy of the information captured by loan associates.


• Identify and verify outstanding information, and / or discrepancies in loan application


• Establish client Willingness and Capacity-to-Pay, as required in the Credit Process and Credit Evaluation Manual.


• Submit for approval/rejection loan applications to Credit Officer or credit committee within approved mandate.


• Participate and facilitate credit analysis workshops and develop case studies.


• Periodically organize presentations on credit analysis of certain types of businesses, to improve the technical knowledge of loan officers.


• Assist to Credit Officer in setting quarterly and annually performance targets


• Perform other tasks as assigned by supervisor.

Minimum Skills/Qualifications:

• Graduate of a 4-year degree course, preferably in business-related disciplines (Finance /Management/ Economics, etc.)


• Minimum of 2 years of successful working experience in microfinance or banking, with some knowledge and experience in Individual lending


• 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).