Account Officer

JOB MANDATE

Responsible for achieving loan volume targets while maintaining profitability, sound credit quality, and good customer service.

KEY RESPONSIBILITIES

• Actively solicit loan accounts from various channels (i.e. branches, developers, brokers, and direct referrals).
• Develop the sales channel through regular branch visits / area meetings, training of branch front liners, performance reporting / updates, etc.
• Analyze overall loan applicant’s financial capacity, credit worthiness, collateral eligibility, etc. to determine feasibility of granting loans.
• Review and update pre-approval and post approval requirements to ensure adequacy for credit processing and loan booking, respectively.
• Liaise with backroom units to address issues and requirements for the smooth processing and booking of the loan.
• Execute sales and / or marketing activities aimed to achieve targets.
• Attend to branch and client inquiries, as well as post-booking / customer service concerns of clients and the channel.
• Provide information regarding competitor’s practices, market trends and customer needs.

KEY QUALIFICATIONS

• Bachelor’s Degree holder; any business related courses
• With at least 2 years of experience as Account Officer / Relationship Officer selling commercial / mortgage loans
• Current position with other banks’ IBG / Commercial Bank / SME Loans / Business Loans as Account / Relationship Officer is a big plus factor
• Strong credit knowledge and financial analysis
• Familiar with computer software including word processing, spreadsheets and presentations
• Analytical, systematic, can work under pressure, independent and can
• work with minimum supervision
• Has good people management and interpersonal skills

BDO Unibank, Inc. provides equal opportunity to all qualified candidates. Hiring decisions are based on job requirements and candidate qualifications, and shall not be influenced by any consideration  of race, color, religion, sex (including sexual orientation and gender identity), national or ethnic origin, or disability.                                                                                                                       Requisition ID: 21234