1.      Delinquent

Account Recovery

a.      Manage and collect assigned delinquent accounts, particularly those over 180 days past due and endorsed PAR accounts.

b.      Conduct field visits to follow up with clients, assess repayment capacity, and negotiate payment arrangements.

c.      Implement collection strategies in line with approved recovery plans and guidance from the AM.

d.      Prioritize high-risk and high-value accounts to maximize recovery efficiency.

2.      Account Validation & Client Engagement

a.      Verify client identity, address, and business status through field validation and interviews.

b.      Confirm loan details, outstanding balances, and repayment history with clients.

c.      Secure written commitments or repayment agreements from clients when applicable.

d.      Require completion of official forms for clients unable to meet payment obligations, stating valid reasons for non-payment.

3.      Skip Tracing & Case Investigation

a.      Utilize skip-tracing techniques to locate clients who have relocated or are unresponsive.

b.      Gather relevant information from community networks, references, and available records to support recovery efforts.

c.      Report cases requiring escalation due to fraud, misrepresentation, or inability to locate clients.

4.      Legal Coordination & Case Endorsement

a.      Endorse unresolved or non-cooperative accounts to the AM for legal action

b.      Coordinate with the Legal Officer and follow collection protocols aligned with legal proceedings.

c.      Support documentation requirements for small claims or other legal recovery actions as needed.

2.      Cash Handling & Remittance

a.      Collect payments strictly in accordance with company policies and approved procedures.

b.      Issue Official Receipts (ORs) for all collections.

c.      Deposit all collections daily to the official GPMI bank account or turn over collections and complete documentation to the Branch Finance and Administrative Assistant (BFAA).

d.      Ensure zero discrepancies between collections, receipts, and deposited amounts.

3.      Monitoring, Reporting & Documentation

a.      Maintain an updated record of assigned accounts, including collection status and client interactions.

b.      Prepare and submit daily and weekly collection reports to the AM.

c.      Ensure all collection activities, agreements, and transactions are properly documented and recorded in the system.

d.      Regularly review account statuses to ensure accuracy and completeness of records.

4.      Client Relations & Professional Conduct

a.      Address client inquiries and complaints professionally and respectfully.

b.      Uphold ethical collection practices and avoid coercive or non-compliant behavior.=

c.      Representthe organization positively in all client and community interactions.