Kalibrr Talent Search
Kalibrr Talent Search

Account Officer | Housing Loan | Taguig City  

Kalibrr Talent Search

 
  • Makati, Philippines
    2nd Flr., BCC House, Makati, Metro Manila, Philippines
    Makati
    Metro Manila
    Philippines
    Philippines
  • ₱25,000.00 - ₱30,000.00 / month
    PHP
    25000
    30000
    25000
    MONTH
  • Full timeFULL_TIME

Expired 6 years ago

2018-06-19T16:00:00+00:00
Job closed.

Job Description

The Account Officer ( Housing Loan) is primarily responsible for building up and managing the Housing Loans Portfolio of the given Branch/Unit. Administratively, ensures smooth, speedy and high quality servicing of consumer loan transactions of existing and prospective clients.

Duties and Responsibilities:

Specific Task

  • Brings in new business for Housing Loan by
    • Visiting new clients;
    • Entertaining walk in and phone-in applicants;
    • Offering new loans to repeat clients consisting of depositors, existing borrowers or clients with fully paid accounts.
  • Creates a list of prospects to ensure a steady flow of new clients. Conducts continuous prospecting and visit prospects to validate their customer value.
  • Gathers loan requirements from prospects/loan applicants;
  • Discusses to prospects and clients the features and benefits of WealthBank Housing loan facilities, as wells as the terms and conditions of the loan;
  • Answers queries and clarifications from clients regarding the loan including inquiries on account balances;
  • Pre-screens applications as to completeness of requirements and basic loan qualifications based on policy;
  • Rejects applications which do not meet basic qualification criteria and request for additional documents for applications with incomplete requirements;
  • Collects appraisal fee for qualified applications;
  • Coordinates with the Credit Admin Department and requests for CIBI, appraisal of collateral; credit and background investigation of applicant(s); residence, business, or employment verification.
  • Prepares Housing Loan Approval Sheet and secures approval of appropriate credit approving level. Works also on the restructuring of past due accounts;
  • Informs the applicant of the status of his loan application.
    • If APPROVED, engages client to sign and execute loan instruments and other documents for the release of the loan; informs client about the terms and conditions, payment terms, and other requirements of the loan.Likewise, he must also prepare a checklist of all the documents and collateral required for the loan to be released; receives and acknowledges security documents such as Owners Duplicate copy of TCT/OCT/CCT, insurance policies, and PDCs, and endorses such documents in a sealed envelope to the vault custodian immediately for safekeeping pending booking of such account
    • If DISAPPROVED, prepares letter of disapproval and informs client.
  • Manages the sales channels such as branches, accredited brokers, Dealers, or Developers to be assured of a steadily increasing supply of quality loan applications.
  • Monitors market trends and activities of competitors such as promos, interest rates, down payment schemes, documentary requirements, fees, turn-around time, and other marketing mix.
  • Designs promo schemes to gain market share and to neutralize competition.
  • Provides Management with periodic reports on loan bookings, portfolio size, promotional updates, activities of the competitors, and all other information needed.
  • Maintains the quality of loan portfolio by controlling past due ratio not to exceed regulatory requirements, and ensures that assets are adequately protected by insurance coverage; payment for realty taxes are updated; and regulatory requirements are satisfactory complied and met.
  • Follows up payment of delinquent accounts; likewise sends Demand Letters on scheduled dates; and thereafter, endorses to Legal & Collections Department all Past Due accounts.
  • Trains the Account Associates/Loans Assistants under his Unit on loans underwriting processes, documentation, booking and loan releasing, safekeeping and filing of credit folders, post-release monitoring, and all other activities incumbent in the management of account;
  • Performs periodic Performance Appraisal on all Assistants under his Unit and discusses the result to them and take appropriate actions accordingly such as counseling, reminding, documenting, recognizing, or recommending for advancement;
  • Other responsibilities and tasks may be assigned from time to time depending on business needs.

Minimum Qualifications

  • A graduate of any 4-year course preferably business related courses
  • Must have a relative experience in other banks
  • Pleasing personality
  • Have handled supervisory functions for at least 1 year
  • Good communication skills and human relation skills
  • Organized and systematic
  • Strong analytical and planning skills
  • Good communication and presentation skills
  • Excellent problem-solving skills

Jobs Summary

Job Level
Associate / Supervisor
Job Category
Accounting and Finance
Educational Requirement
Bachelor's degree graduate
Recruiter response to application
Sometimes
Office Address
2nd Flr., BCC House, Makati, Metro Manila, Philippines
Vacancy
1 opening
Website
www.kalibrr.com

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About Kalibrr Talent Search

Kalibrr is the fastest growing, trusted job search platform in the South East Asia. It is uniquely positioned as a recruiting partner, leveraging its vast talent marketplace with nearly half a million active job seekers. Kalibrr also provides other services such as employer branding and headhunting called Kalibrr Talent Search. Kalibrr Talent Search is a recruiting partner of various clients in different industries focused on delivering high-quality​ pre-screened jobseekers.

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