Loan Officer

Rykom Finance Corp.

＄520-694[Monthly]

On-site - Pasig3-5 Yrs ExpBachelorFull-time

Benefits

Allowances
Telecommunication Allowance, Transportation Allowance
Insurance Health & Wellness
Life Insurance, HMO
Time Off & Leave
Bereavement Leave, Birthday Leave, Sick Leave

Market and solicit prospective loan clients in an assigned area/s of responsibility; discuss and explain to prospective loan clients the importance of each loan product, their advantages, and benefits to the client and their business.
Know how to conduct loan sales and marketing, and develop and maintain growth of the assigned area in terms of loan portfolio.
Conduct market research, trends, and competition.
Understand, analyze, and propose credit facilities based on client financial capacity that are suitable to the client’s needs.
Ensure that all renewals and new availments comply with the company’s existing credit policy (documentary requirements) and government regulatory agencies.
Monitor client loan payments and make timely follow-ups if needed (loan payments and loan documents) or make a personal visit to find out the reason for non-payment; prepare necessary reports including recommendations to prevent further account deterioration in accordance with the company’s existing remedial account policy.
Review loan clients on a regular basis to determine client needs and improve the company’s exposure for each loan account in terms of loan quality and business relationship.
Ensure timely delivery of budget as committed/provided during the fiscal year; regularly review and assess budget against accomplishment; determine reasons for success or shortfall and address immediately if within the parameters of accountability.
Assist, coordinate, and collaborate with other departments in the organization to meet customer needs as necessary.
Monitor, supervise, and guide personnel under direct supervision for timely submission of required reports and requirements, ensuring compliance with the company’s existing policy.
Conform to the internal and external company policies and procedures.
Support management decisions, requirements, and expectations.
Perform other duties as may be assigned from time to time.

At least 25 to 30 years old
Must be graduate of any four (4) year related business course
With at least 3 years minimum work experience as Account Officer/Credit Officer particularly handling SME client & medium size business establishment/accounts gained from banking or any reputable financial institution
With good communication and writing skills
Values the importance of office interpersonal relationship

Client ServiceNEGOTIATION SKILLSgood communication