QUALIFICATIONS:- Candidate must possess a bachelor's degree in business studies/administration/management, Commerce, Economics, Finance/Accountancy/Banking or related field. Must possess strong systems skills; solid analytical, negotiating skills and knowledge of commercial credit and collection laws.
- At least 2 years of work experience in a similar role. Willing to do field work. Must possess a Professional Driver's license.
- Proficient in the use of basic applications like MS Word, Excel and Powerpoint, including email access.
Moderate keyboard skills at 40 WPM and 80% accuracy.
- Excellent customer experience and problem-solving skills.
- Effective English communication skills, both oral and written. Can speak the local dialect and/or Filipino.
- Action orientated. Should be able to follow up on feedback to ensure positive outcomes.
- Knowledge and skill of modern office practices, procedures, equipment and standard clerical techniques.
- Efficient facilitation skills. Should be able to facilitate group discussions.
- Ability to meet department metrics, sales targets and production goal
- DESCRIPTION:
- Evaluates the information indicated in the Application Form and completeness of required documents submitted. Verifies the application if it is in-house, from Accounts Officer (AO) or from Agents or Dealers or Renewal of Account.
- Conducts thorough investigation and background checking of prospective clients and/or spouse/co-maker to ensure that they have the 5C's of credit. Visits clients regularly and maintains good relationships with them to encourage repeat business.
- Monitors competitor's rates and strategies; Reports to Branch Manager any unsual events which may affect the branch operations.
- A.2. Collections Efficiency
- Achieves and maintains collection efficiency target following the company credit standard policy and guidelines.
- Conducts credit investigation within required proximity and work hours.
- Conducts unit/collateral verifications of approved loan applicants. Carefully examines the collateral placed upon by clients and reasonably appraises the value of such.
- Remits all collections and unissued official receipts to admin office/branch manager before the end of the day.
- A.3. Remedial Management
- Undertakes and conducts personal visit of delinquent accounts and initiates immediate corrective actions whether for restructuring, moratorium, repossession or legal action.
- Serves demand letters, return check notice to concerned customer and ensures acknowledgement receipt.
- A.4. Documentation
- Prepares Credit Investigation Reports, Activity Report and Travel Monitoring Report religiously.
Job Types: Full-time, Permanent
Benefits: - Additional leave
Company Christmas gift
Employee discount Opportunities for promotion
Pay raise- Promotion to permanent employee
Transportation service provided
Schedule:
* Day shift
Supplemental Pay:
Education:
Experience:
- Credit Investigator: 2 years (Required)
Application Deadline: 07/29/2024
Expected Start Date: 07/29/2024
