Sales Associate

BPI DIRECT BANKO,INC. A SAVINGS BANK; Lagawe; On-site; PHP 279,000 - 446,000; Full time

Job summary

BPI Direct Banko, Inc. A Savings Bank in the Philippines seeks a Loans Associate to drive loan origination and maintain portfolio quality. The role involves active client engagement, field work, and close collaboration with the Financial Inclusion and Microfinance Solutions Group.

The ideal candidate holds a 4-year degree in Business or related fields, with sales experience or strong sales acumen, and strong local networks. Fieldwork is a major component of the job, approximately 95% of the time.

Qualifications

• Graduate of a 4-year degree, preferably in finance/management/economics.
• Sales experience preferred; fresh graduates with sales aptitude welcome.
• Familiar with the branch community and local networks.
• Willing to do field work (95% of the time).

Responsibilities

• Identify, solicit and maintain desirable loan accounts in the assigned area.
• Implement marketing strategies to achieve loan origination targets.
• Gather and validate loan documents and financial information for credit evaluation.
• Assess funding structures suitable to clients' needs.
• Monitor and service accounts to maintain good loan portfolio quality.
• Provide inputs to improve lending policies and guidelines.
• Perform other tasks as assigned by the supervising Business Manager of the Financial Inclusion and Microfinance Solutions Group.

Skills

Sales experience

Sales acumen

Community familiarity

Field work

Education

Bachelor's degree in Business

Job description

The Loans Associate is responsible in the achievement of loan origination target and maintenance of good loan portfolio quality of the originated loans. Also responsible in relationship management/account servicing to help ensure maintenance of good loan portfolio quality.

1. Identifies, solicits and maintains desirable loan accounts in the assigned area of responsibility.

2. Implements identified marketing strategies geared towards the achievement of loan origination target.

3. Gathers, assesses and validates loan documentary requirements and salient business information on a first hand/personalized basis both on operational and financial aspects necessary as basis for credit evaluation/review and decision.

4. Assesses the most appropriate funding structure and utilization suitable to the clients based on the business' present needs.

5. Implements pro-active account monitoring and servicing activities to help ensure maintenance of good loan portfolio quality.

6. Provides inputs for the improvement of existing policies and guidelines of the lending operation

7. Performs other tasks as may be assigned by the supervising Business Manager of the Financial Inclusion and Microfinance Solutions Group.

Minimum Skills/Qualifications:

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

2. Previous sales experience is needed but also open to fresh graduates with good sales acumen

3. Familiarity with the community of the branch (main markets, target segment, local network and connections, etc.).

4. Willing to do field work (95% of the time).