VIRTUAL LOAN ADVISOR

Bank of the Philippine Islands (BPI); Manila; On-site; PHP 300,000 - 420,000; Full time

Job summary

The Virtual Loan Advisor at Bank of the Philippine Islands (BPI) provides expert guidance on retail loan products through digital and remote channels. The role focuses on converting qualified leads into loan applications by offering personalized advice and clear explanations of terms and benefits.

You will assist clients from inquiry to booking, identify cross-selling opportunities, and work with internal teams to ensure a seamless, compliant loan experience while safeguarding confidential

Qualifications

• Bachelor’s degree in any business-related course.
• Minimum of 2 years of sales experience.
• Familiarity with bank products and services; knowledge of sales processes.

Responsibilities

• Proactively contacts clients to initiate loan discussions within the established turnaround time (TAT).
• Reviews client information, verifies documents, and ensures timely submission of compliant loan applications.
• Effectively communicates loan features, benefits, terms, and conditions to support informed decision-making.
• Uses sales techniques to convert leads to loan bookings and cross-sell bank products and services.
• Maintains documentation in line with internal policies and QA standards for compliance and efficiency.
• Collaborates with internal teams to ensure seamless loan servicing and cross-selling.
• Maintains strict confidentiality of client data.
• Performs administrative tasks and other duties as assigned.

Skills

Sales experience

Customer relationship

Interpersonal skills

Analytical thinking

CRM familiarity

Education

Bachelor’s degree in business or related field

Tools

CRM systems

Loan processing tools

Document verification tools

Job description

The Virtual Loan Advisor serves as a trusted financial partner to clients by providing expert guidance on BPI’s retail loan products through digital and remote channels. The role aims to convert qualified leads into successful loan applications by delivering personalized advice, effectively explaining loan terms and benefits, and assisting clients throughout the loan process – from inquiry to booking. This role also identifies opportunities to cross-sell complementary bank products that suit the client’s financial goals, ensuring a seamless and customer‑centric loan experience.

Responsibilities

• Proactively contacts clients within the established turnaround time (TAT) to initiate loan discussions, and address inquiries and resolve client concerns
• Reviews client information, verifies the completeness and authenticity of required documents, and ensures timely submission of compliant loan applications to the designated processing team
• Actively engages with clients to provide clear and comprehensive guidance on loan products, effectively communicating product features, benefits, terms, and conditions to support informed decision‑making
• Applies effective sales techniques to convert leads to successful loan bookings while identifying and offering opportunities to cross‑sell other relevant bank products and services
• Maintains complete and accurate documentation in line with internal policies and QA standards to uphold service quality, regulatory compliance, and operational efficiency
• Works collaboratively with internal teams to ensure seamless loan servicing and cross‑selling
• Maintains strict confidentiality of client data
• Performs administrative tasks and other functions that may be assigned from time to time

Qualifications

• Bachelor’s degree in any business‑related course
• Minimum of 2 years of experience in sales
• Knowledge of sales management processes, policies, and procedures
• Familiarity with the bank’s products and services
• Strong interpersonal and communication skills for building client rapport and identifying financial needs
• Excellent analytical and decision‑making abilities in evaluating loan eligibility and risk
• Skilled in digital tools for loan processing, CRM systems, and document verification