About this role
JOB MANDATE
Responsible for achieving loan volume targets while maintaining profitability, sound credit quality, and good customer service.
KEY RESPONSIBILITIES
- Actively solicit loan accounts from various channels (i.e. branches, developers, brokers, and direct referrals).
- Develop the sales channel through regular branch visits / area meetings, training of branch front liners, performance reporting / updates, etc.
- Analyze overall loan applicant’s financial capacity, credit worthiness, collateral eligibility, etc. to determine feasibility of granting loans.
- Review and update pre-approval and post approval requirements to ensure adequacy for credit processing and loan booking, respectively.
- Liaise with backroom units to address issues and requirements for the smooth processing and booking of the loan.
- Execute sales and / or marketing activities aimed to achieve targets.
- Attend to branch and client inquiries, as well as post-booking / customer service concerns of clients and the channel.
- Provide information regarding competitor’s practices, market trends and customer needs.
KEY QUALIFICATIONS
- Bachelor’s Degree holder; any business related courses
- With at least 2 years of experience as Account Officer / Relationship Officer selling commercial / mortgage loans
- Current position with other banks’ IBG / Commercial Bank / SME Loans / Business Loans as Account / Relationship Officer is a big plus factor
- Strong credit knowledge and financial analysis
- Familiar with computer software including word processing, spreadsheets and presentations
- Analytical, systematic, can work under pressure, independent and can
- work with minimum supervision
- Has good people management and interpersonal skills
BDO Unibank, Inc. provides equal opportunity to all qualified candidates. Hiring decisions are based on job requirements and candidate qualifications, and shall not be influenced by any consideration of race, color, religion, sex (including sexual orientation and gender identity), national or ethnic origin, or disability.
Other facts
About BDO Unibank
BDO is a full-service universal bank in the Philippines. It provides a complete array of industry-leading products and services including Lending (corporate and consumer), Deposit-taking, Foreign Exchange, Brokering, Trust and Investments, Credit Cards, Corporate Cash Management, and Remittances in the Philippines. Through its local subsidiaries, the Bank offers Leasing and Financing, Investment Banking, Private Banking, Rural Banking, Life Insurance, Insurance Brokerage, and Stock Brokerage services.
BDO's institutional strengths and value-added products and services hold the key to its successful business relationships with customers. Its branches remain at the forefront of setting high standards as a sales- and service-oriented, customer-focused force. BDO has one of the largest distribution networks, with more than 1,600 operating branches and over 4,500 ATMs nationwide.
Through selective acquisitions and organic growth, BDO has positioned itself for increased balance sheet strength and continuing expansion into new markets. As of 30 June 2022, BDO is the country's largest bank in terms of total resources, customer loans, deposits, and assets under management.
BDO is a publicly listed company (PLC), with its shares currently being traded at the Philippine Stock Exchange under the symbol “BDO”.
BDO Unibank is regulated by the Banko Sentral ng Pilipinas. https://www.bsp.gov.ph
For concerns, please visit any BDO branch near you or reach us through any of the channels listed in the Consumer Assistance page of our website: https://www.bdo.com.ph/consumer-assistance.
Deposits are insured by PDIC up to P1 Million per depositor.
The BDO, BDO Unibank and other BDO-related trademarks are owned by BDO Unibank, Inc. All Rights Reserved.
What you'll do
- The Associate Account Officer is responsible for achieving loan volume targets while ensuring profitability and sound credit quality. Key tasks include soliciting loan accounts, analyzing applicants' financial capacity, and addressing customer service concerns.
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