About the job Loan Manager - Ortigas PasigThe Loan Manager generates sales using the different channels created and launched for LMG. They ensure that the goals and objectives, especially the loan release targets, are met consistently. The Loan Manager implements and monitors the programs launched for LMG and ensures that all policies and procedures, guidelines, and other implementing documents are followed by the team.SPECIFIC DUTIES AND RESPONSIBILITIES:Management:Lead and create harmony within the team.Prepare a sales and marketing plan for the team in line with the Bank's revenue and profitability targets.Ensure that the Bank's approved strategies are implemented and provide feedback or suggestions for the improvement of the Bank's policies or procedures.Evaluate individual performances using the Performance Management Framework of the Bank. Submit evaluation results as scheduled by the Bank.Collect customer feedback and report them to the Business Development Office for continuous improvement.Evaluate performance of active agents; report any anomalies or violations of agents.Operations:Maximize current sales channels and look for ways to expand the Bank's ability to reach customers to meet and exceed monthly targets:Accredit more agents to create a larger pool of leads and increase sales production.Re-activate agents and provide strategic marketing plans.Solicit or generate own accounts to contribute to the increase of sales production.Utilize marketing channels or tools, such as social media platforms, for approved marketing campaigns.Check and validate information encoded in the Branch Lending Tracker.Conceptualize branch-level campaigns and marketing activities in coordination with BDO.Monitor loan applications being processed by the Loan Evaluators and Marketing Associates:Number of CAMs being processed by the Loan Evaluator and the Marketing Assistant.Number of applications pending for ocular and verification by the Loan Evaluator.Number of completed CAMs at the OBO level.Number of CAMs submitted to Credit.Number of applications with pending document submissions.Total number and amount of approved applications.Total amount released.Ensure all proper and legal documents are in order.Guide the Loan Evaluators in the preparation of CAM while assisting the Marketing Associate in completing all necessary documents.Review, approve or reject CAMs submitted by the Loan Evaluators prior to signing and submission to the Area Head for review.Review, approve or reject any documents/forms prior to signing and submission to the designated department/division.Conduct meetings with agents to communicate new programs or business changes and enhance relationships; report inactive agents to the Agent Relations Officer.Monitor daily activities of the Loan Evaluators and Marketing Associates to ensure productivity measures are in place.Oversee covered loan centers and check the handling of agents and clients, as well as safety, cleanliness, and orderliness.Monitor attendance or official business trips of the team; review, approve or reject attendance files in the HRIS.Ensure that approved processes, policies, and procedures are followed by the team.Ensure confidentiality of all information and documents gathered from both clients and agents.Ensure proper use of all information, documents, office supplies, equipment, and facilities.Custodianship:Loan ApplicationsCopies of CAMs and related documentsCopies of Individual Performance Reviews and Ratings submitted to the Human Resources DepartmentCoaching logsMinutes of meetings with the team and the agents.Monitoring and Reporting:Monitor daily activities of the team and their outputs.Submit sales report with actual target releases, pending approvals, and pending applications to the Business Development Office and Group Head.Report violations against the Code of Conduct, policies, and procedures.COMPETENCIES:Relationship ManagementAnalytical SkillsCustomer Service, Complaints Management, Incident ManagementStrategic Planning & ThinkingCritical ThinkingLeadership, People ManagementEffective PresentationCreative ThinkingProject ManagementNegotiation and AssertivenessPerformance ManagementBudget / Financial ManagementBasic and Intermediate AccountingProblem Solving and Decision MakingReporting/ Data ManagementCredit Evaluation and AnalysisCoaching/ Mentoring SkillsConflict Management and ResolutionTraining and DevelopmentInfluencing and Persuasion SkillsInterviewing and Probing SkillsDelegationAccountabilityQUALIFICATION GUIDELINES:Education: Preferably at least a bachelor's degree in Marketing/Business Studies/Administration/Management/Banking and Finance or its equivalent.Experience: At least 5 years of extensive experience in Sales and Marketing from a reputable banking/financial services industry. Knowledge of Credit Investigation is desirable but not required.Others:Strong analytical, leadership, people management, interpersonal, and negotiation skills.The ability to actively listen to and act on customer needs and desires. A can-do attitude.
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