Responsible for the credit investigation and collection in a branch in accordance with the company standards to attain company goals and objectives. Process owner in terms of booking, Collection Efficiency, Remedial Management, Real and Property Owned and Acquired Management.
Duties and Responsibilities: 1. Sales and MarketingAchieves booking target by determining number of loan applications requiredVisits clients regularly and maintains good relationships with them to encourage repeat businessVisits and maintains constant and regular dialogue with dealers and coordinates with agents or business opportunity service specialistsKnows and is aware of what competition is doing and reports to branch manager any unusual events which may affect the branch operationsElevates concerns brought to his attention by clients, dealers and agents at once2. Collection EfficiencyAchieves and maintains collection efficiency target following the company credit standard policy and guidelinesReceives, evaluates and conducts initial interview of walk-in customersConducts credit investigation within required proximity and work hoursConducts unit/collateral verifications of approved loan applicantsMaintains the up-to-date status of customer's visit cardConducts a pre-collection visit a week before the first due date and regular collection follow-up on delinquent or past due accountRemits all collections and unissued official receipts to admin office/branch manager before the end of the day3. Remedial ManagementUndertakes and conducts personal visit of delinquent accounts and initiates immediate corrective actions whether for restructuring, moratorium, repossession or legal actionCoordinates and discusses with branch manager concerns regarding delinquent accountsServes demand letters, return check notice to concerned customer and ensures acknowledgement receipt4. DocumentationPrepares daily itinerary performance reportEncodes credit report on web application systemPrepares credit report and discusses with branch managerCoordinates with loans clerk on mortgage documentation, post-dated check and insurance requirementsAssists on registration of necessary loan documentsQualifications: At least Bachelor's Degree/2 years Vocational course in any field of studyWith at least 1 year related work experience in this fieldCan communicate both oral and writtenKnows basic Microsoft applications (Word & Excel)With valid driver's license and motorcycle is requiredWilling to do field workCan Start ASAPWilling to be assigned in ValenciaJob Types: Full-time, Permanent
Schedule: Day shiftEducation: Bachelor's (Preferred)Experience: Credit Investigator: 1 year (Preferred)Field Collector: 1 year (Preferred)
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