Account Officer/Collection Officer

2 weeks ago

Cebu City, Central Visayas, Philippines APPLEONE PROPERTIES INC. Full time ₱900,000 - ₱1,200,000 per year

JOB DESCRIPTION FOR ACCOUNT OFFICER/COLLECTION OFFICER

OBJECTIVES:

To deliver loan bookings set by the Management. To book quality accounts.

To comply with loan documentation necessary for all accounts. To ensure credit files are in order and complete.

DUTIES AND RESPONSIBILITIES:

Marketing

To conduct client calls by visiting prospective individuals and corporate clients to offer our loan products.

To visit auto/surplus dealers for second hand, brand new, trucks and heavy equipment to solicit loan clients.

To accommodate clients who obtained pre-approved loan by credit committee.

Meeting with individual clients/company's authorized representatives for proper identification purposes (KYC) and accepting loan applications for personal or business purposes.

Accommodate walk-in prospective clients. To perform telemarketing of our products.

Processing and Approval of Loans

To request support from CI/Appraiser to conduct credit check with Cebu Association of Credit Practitioners, Inc. (CACPI) all names of credit applicants of any credit dealings and or court cases listed in their record system. Further, to request verification of business background as follows:

Credit dealings (past/existing) with other financial institutions Handling of bank accounts

Trade checking's

Payment habit to their suppliers

Confirmation of transactions with their customers

Collate CI reports, such as personal background/credit/court case checking's, ADB analysis - current account, document verifications, appraisal reports and others based on the documents submitted by clients.

Preparation of loan proposals/credit evaluation sheets using the above credit investigation reports.

Loan Products:

a)      Salary loan (clean) - granted to qualified employees of Venray Group of Companies only

b)      Check Re-discounting – secured by VRC Group checks only

c)      Personal loan (collateralized) – open to qualified Individual borrowers

d)      Business loan (collateralized) – open to qualified individual/corporate borrowers

Upon completion, to present loan proposals to the credit committee members for their approval.

To furnish copy of approved loan proposal/credit evaluation sheet to Accounting Section for the issuance of loan proceeds.

Post Approval of Loan

To prepare loan documents such as Promissory Notes, Addendum to Promissory Notes (salary loan), Chattel Mortgage/Real Estate Mortgage and other documents and have them signed by borrowers.

To require submission of the following: PDCs – for monthly amortization

Own Damage/Comprehensive Insurance Incidental cost – for the processing of loan Undertaking – as required on case-to-case basis

Others

Assist in collection of loan amortizations of both current and past due accounts.

To handle legal accounts - recovery of possession of collateral/loan security, collection of sum of money and other remedies.

Preparation of loan documents to be endorsed to legal counsel for filing a case vs. client. To assist filing of case.

To attend court hearings and assist to secure court order.

To assist in the repossession of collateral, attend public bidding and secure certificate of final sale.

Assigned to take care of ROPOA inventory to keep it properly maintained and safe.

Follow up submission/compliance on bookings with documentary deficiencies

a)      Loan transactions with pre-approval from the credit committee

b)      Loan transactions with undertaking of submission of important loan requirement

To perform other duties that may be assigned from time to time.

KEY SKILLS AND QUALIFICATIONS:

· Bachelor's degree in accountancy, Finance, or related field

· At least 3 years of relevant experience in field

· Analytical, detail-oriented, and organized

· Good communication and problem-solving skills

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