Risk & Remedial Officer
MASS-SPECC Cooperative Development Center Cagayan de Oro Full-time
Job description:
Education: Any specialization under the Bachelor of Science in Business Administration orExperience: 2 years working experience related to loan account management
- Client Marketing
- Identifies pool of cooperative members in assigned area of responsibility of each Account Specialist.
- Loan Processing
- Credit Management & Account Monitoring
- Conducts client call and visitation to verify information provided by the Account Specialist.
- Evaluates and checks for completeness and authenticity of documents of loan applicants.
- Performs assessment of completeness of data, signatures and documents required.
- Checks and verifies credit and background investigation reports on cooperative and its Board of Directors, officers and key management personnel.
- Discuss needs of collateral with Account Specialist and requires appraisal if needed.
- Evaluates credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Checks credit rating evaluation and all other reports submitted by Account Specialist.
- Complete loan applications, including credit analyses and summaries of loan requests, and submits to loan manager for endorsement to loan committee.
- Checks loan approval notice and all other loan documents for signing of all signatories to the loan.
- Opens the account in the MBWIN system every availement of loan made.
- Monitors the maintenance of credit folders and proper filing thereof.
- Follows up all collateral documents necessary and checks the keeping of all security file in the vault.
- Conducts regular client call and visit to monitor the account performance.
- Confers with cooperative's contact persons to address any immediate credit concerns.
- Conducts remedial management to any account that requires it
- Prepares proposal for remedial action and submits such to loan committees for approval.
- Prepares the aging and collectibles report and submit to the loan manager every month
- Conducts daily monitoring of loan payments
- Other key functions
- Supervise Account Analyst &/ Account Specialist's daily activities.
- Handle customer complaints and take appropriate action to resolve them.
- Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
Tyco InternationalCagayan de Oro
About the Role
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Hard working and self motivated.
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