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: 1. 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
2. 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
3. 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
4. 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:
At least Bachelor's Degree/2 years Vocational course in any field of study
With at least 1year related work experience in this field
Can communicate both oral and written
Knows basic Microsoft applications (Word & Excel)
With valid driver's license and motorcycle is required