Consumer Loans Account Officer

Industry Category	Accounting / Finance	Position	General / Cost Accounting
Recruitment Department		Number Of Recruits	several
Work Location	All Cities	Nature Of Work	Full Time
Gender Requirements	Male	Marriage Requirement	No marital status restrictions
Education Level	College Diploma	Work Experience	No work experience restrictions
Age Requirement	Above 18 years old	Salary Package	Negotiable
Updated Date	2022-09-23	Valid Until	Long-term validity

I. GENERAL PURPOSE   Under the direct supervision of the Branch Head, the CL Account Officer is responsible for soliciting potential clients, account management, loan disbursements and ensuring a healthy portfolio, prompt and accurate lending decisions while identifying additional customer benefit needs; and is also responsible for the preparation of regular reports pertinent to CL Portfolio account management as well as timely submission of reportorial requirements to Credit Dept.   II. SPECIFIC RESPONSIBILITIES a. Sales & Marketing 1 Solicits and interviews potential new clients and existing clients fit for the Consumer Loan Product of the Bank.2 Sets appointment with institutions/schools for the product presentation together with the Branch Head.3 Conducts initial CIBI to loan applicants who pass the eligibility criteria set by the management. 4 Performs verification procedures pertinent to credit initiation and documentation.5 Endorses and forwards accomplished loan applications and interview sheets along with initial documentary requirements for processing by the Credit Administration Assistant.6 Collects and ensures the authenticity of all documentary requirements needed for credit application and evaluation as per Standard Checklist of documentary Requirements for CL.7 Creates opportunities to cross-sell other bank products and services.8 Submits reports prescribed by Management to immediate head for purposes of performance monitoring and compliance.9 Provides assistance to Branch Heads especially in attending clients’ concerns about queries on different loan product of CL and its features.10 Supports the Branch Head in his/her promotional campaign in soliciting new clientele and help them in building long-term business partnership.11 Conducts product orientation of Consumer Loan (CL) products to division offices, schools, government offices and other type of institutions or organizations whose employees may qualify for the existing consumer loan products of the Bank.  b. Account Management 1. Regularly monitors loan disbursements and client’s repayment behavior through the Webloan System or reports provided by the support departments or units to aid in monitoring loan maturities, account delinquencies, due dates, and other important loan records as basis for a sound credit decision.2. Proactively undertakes client calls to ensure full payment of loan accounts by clients.3. Delivers signed Collection Notices generated from the Collection Notice Registry to clients with missed loan payments and submits received copies to the Credit Administration Assistant for credit folder filing.  4. Submits prescribed reports to immediate head such as but not limited to monthly Past Due accounts work-out plan which as subsequently submitted to LAU Manager and Credit Head as basis of the approval of the exception requests.5. Submits to RPSU, Division or Empowered Schools and other institutions (as applicable) billing reports no later than set deadline or schedule of billing (e.g. 30th day of the month); forwards to Credit’s billing in-charge the received copy of billing reports from RPSU, Division or Empowered Schools.6. Submits to concerned Schools or Division Offices or any applicable institution copies of the Billing documents within ten (10) days after submission of the billing to DepEd no later than 10th day of the following month or as per prescribed deadlines. 7. Performs borrower assessment and encodes reports or information into the Bank’s appropriate platform or database; forwards assessment report to CAA for filing in the credit folder.8. Recommends to immediate head escalation of delinquent accounts to Asset Recovery Department and complies pertinent supporting documents. 9. Monitors payroll and remittance schedule every month to ensure that billings are 100% collected and remitted. 10. Gathers requirements for insurance claims for deceased borrowers and submits complete documents to Credit’s Insurance in-charge.  c. Other Functions1. Handles customer queries and complaints and take appropriate actions to address them.2. Performs other tasks that may be assigned by immediate head from time to time.3. As applicable or deemed necessary, may act as alternate custodian of combination numbers for vaults and branch doors, codes or passwords of the security alarm or devices, by virtue of a designation memo.

ENTERPRISE BANK, INC. (EBI) a strong and competitive Rural Bank in Mindanao and Visayas delivering high quality financial products and services is aimed in promoting entrepreneurship. The bank further invests in its human resources making certain that they will be given the opportunity for professional advancement and right to economic stability and security. VISION To be a strong regional bank that leads in the delivery of high quality financial products and services that promote, support, and encourage entrepreneurship in the countryside MISSION Provide innovative financial products and services to small and medium sized enterprises, micro entrepreneurs, especially women, and to members of low-income groups to ensure that credit is utilized appropriately to improve their economic well-being. Promote savings consciousness as a means to attaining self-sufficiency and self-reliance. Strive to offer highest quality service and customer value by investing in human resource development. Provide a work environment that will stimulate the employees to be innovative and enable them to realize their professional objectives. Make certain that each employee will be given the opportunity for professional advancement as merited and have the right of economic security and stability. Guarantee that shareholder’s value is enhanced through prudent investment undertakings and efficient operations; and, Abide by the laws and regulations of the Philippines to which it is subject and adhere to international standards within core operations..PS. In sending your application and resume through e-mail, please make sure to indicate in the SUBJECT the position you are applying for. Don't forget to attach a scanned copy of your TOR, preferably with picture as well. You may also send it to honquilada.gladys@enterprisebank.ph Historyvisit www.enterprisebank.ph   Product & Servicesvisit www.enterprisebank.ph