Responsible for the credit investigation and collection in a branch in accordance with the company standards to attain company goals and objectives. Process owner in terms of booking, Collection Efficiency, Remedial Management, Real and Property Owned and Acquired Management.
Duties and Responsibilities:
Sales and Marketing
- Achieves booking target by determining number of loan applications required
- Visits clients regularly and maintains good relationships with them to encourage repeat business
- Visits and maintains constant and regular dialogue with dealers and coordinates with agents or business opportunity service specialists
- Knows and is aware of what competition is doing and reports to branch manager any unsual events which may affect the branch operations
- Elevates concerns brought to his attention by clients, dealers and agents at once
Collection Efficiency
- Achieves and maintains collection efficiency target following the company credit standard policy and guidelines
- Receives, evaluates and conducts initial interview of walk-in customers
- Conducts credit investigation within required proximity and work hours
- Conducts unit/collateral verifications of approved loan applicants
- Maintains the up-to-date status of customer's visit card
- Conducts a pre-collection visit a week before the first due date and regular collection follow-up on delinquent or past due account
- Remits all collections and unissued official receipts to admin office/branch manager before the end of the day
Remedial Management
- Undertakes and conducts personal visit of delinquent accounts and initiates immediate corrective actions whether for restructuring, moratorium, repossession or legal action
- Coordinates and discusses with branch manager concerns regarding delinquent accounts
- Serves demand letters, return check notice to concerned customer and ensures acknowledgement receipt
Documentation
- Prepares daily itinerary performance report
- Encodes credit report on web application system
- Prepares credit report and discusses with branch manager
- Coordinates with loans clerk on mortgage documentations, post dated check and insurance requirements
- Assists on registration of necessary loan documents
Qualifications and Requirements:
- Candidate must possess at least Vocational Diploma/Short Course Certificate, Bachelor's/College Degree in any field of study
- At least 2 Year(s) of working experience in the related field is required for this position.
- Can communicate both oral and written
- Knows basic microsoft applications
- Must possess a valid driver's license and must know how to drive a motorcycle. Advantage if candidate has existing motorcycle.
Job Type: Full-time
Schedule:
- Day shift
Education:
- Bachelor's (Preferred)