Responsible and accountable for ensuring and maintaining quality loan portfolio

REPORTS TO: Branch Manager and Loans Officer

ESSENTIAL FUNCTIONS AND BASIC DUTIES

1.   Membership Recruitment

1.1. Initiates recruitment of members

1.2. Process membership application

1.3. Conduct PMES for member-applicants his/her assigned area

1.4. Conduct background investigation of incoming members

2.   Credit Initiation

2.1. Interviews the client and assists him/her in the preparation of the Loan Application Form. Conducts loan counseling with the client.

2.2. Gives the client the list of documentary requirements and conducts credit investigation and/or appraisal

2.3. Prepares action sheet and ensures completeness of pertinent documents and information as enumerated in the loan procedures.

2.4. Initiates the classification and watch listing of all credit and loans accounts

3.  Loan Documentation

3.1. Conducts credit/background investigation of member-borrowers

3.2. Verifies and examines the completeness of the documents (e.g. quotations and the like) submitted by the client.

3.3. Ensures that all documents are signed in the presence of all concerned parties

3.4. Ensures that the collaterals are sufficiently covered by insurance, life or non-life.

4.   Loan Release, Monitoring and Collection

4.1. Endorses to the Loans Officer loan application after review

4.2. Sees to it that reminder and/or collection letters are sent to clients on time and coordinates with the Loans Officer for collection efforts especially on past due accounts

4.3. Collects amortization from member-borrowers

4.4. Remits collection to the cashier/teller and prepares daily collection report

4.5. Ensures that collection targets are met or surpassed

5.   Loan Documentation Release and Maintenance

5.1. Verifies the signature of the borrowers in the promissory note and other pertinent loan documents

5.2. Computes interest and other charges on loans

5.3. Creates a customer record into the system for new borrowing clients based on the Customer Information File

6.   Loan Monitoring

6.1. Monitors all loans including delinquent accounts assigned

6.2. Sends reminder letters or calls delinquent members

6.3. Initiates analysis of individual accounts and determines concrete recommendations together with the Loans Supervisor on how to collect it

6.4. Report to the Loan Officer status of problem accounts.

6.5. Conducts client visitation if deemed necessary to facilitate collection

7.   Reportorial Function - Submits reports required by the Loans Officer and Branch Manager.

8.   All other duties and responsibilities that maybe required to him/her from time to time

• With Motorcycle
• Valid Driver's License
• Willing to be assigned in other branch / area of operation