Account officer

Job Description

Maintain up-to-date client records and reports.

As reliever, will supervise the day to day operational functions of the branch/kiosk including: vault, drawer and cash balancing; overseeing teller and customer service duties; and assisting and approving customer transactions within authority limits.

Duties & Responsibilities:

1. Identifying, solicits and maintains desirable loan accounts in the assigned area of responsibility
2. Identifying potential MAREKOs in its assigned area of coverage
3. Manage and grow acquisition of new customers float deposit volume solicitation and cross-sell target
4. Implements identified marketing strategies geared towards the achievement of loan origination target.
5. Gathers, assesses and validates loan documentary requirements and salient business information on a first hand/personalized basis both on operational and financial aspects necessary as basis for credit evaluation/review and decision.

• Updates their Sales Journal and or equivalent report of their sales activities

1. Manage & Recover past due loans:

• Implement the necessary collection action as prescribed in the Collection Roadmap such as collection visit/s, serve notice 1, notice 2, and client assessment on the assigned clients.
• Achieve and maintain targets on Portfolio at Risk / Non-Performing Loans.
• Emphasize the importance of on-time payment with clients.
• Records & monitors the repayment reports daily, results of collection efforts and client behavior patterns.
• Prepares Client Assessment Report and recommends remedial action for 30 to 90 days past due accounts (CBP System).

1. Provides inputs for the improvement of existing policies and guidelines of the lending operation
2. Observes the Bank’s policy on account opening and POS implementing guidelines
3. Comply with Internal/External Audit/ Legal & Regulatory Compliance including required reporting such as the quarterly Compliance Matrix for High Risk and the semi-annual Compliance Matrix for Low Risk
4. Files attendance report and requests for OB/ VL/SL on time in accordance with the Bank’s policy
5. Accomplish the Branch personnel checklist.
6. Perform functions that may be assigned from time to time and as need arises.

Minimum Skills/Qualifications:

1. Graduate of a 4-year degree course, preferably in business-related disciplines (Finance / Management/ Economics, etc.)
2. At least 2 years of experience in the banking industry (Rural Banks, microfinance-focused NGOs as well)
3. Familiarity with the community of the branch (main markets, target segment, local network and connections, etc.)