Branch Head - Dagupan
Branch Head - Dagupan
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Not Disclosed
Salary Not Disclosed
1 Vacancy
Job Description
- Branch Credit Operations
- Conducts branch loan processing according to credit policies and processes and service level standards
- Reviews and evaluates loan applications according to credit underwriting policies.
- Conducts interviews on loan applicants to check for eligibility.
- Ensures that documentary and other eligibility requirements are complete and in compliance with underwriting standards.
- Reviews loan agreements to ensure completeness and accuracy according to policy (e.g. payment schedule and computations).
- Approves loans within specified limits and refers loan applications outside those limits to higher approving authorities for approval.
- Coordinates with Head Office for loan payment processing and release; facilitates loan proceeds releasing to borrowers; conducts necessary followups to ensure timely release.
- Attends to issues/ client complaints on loan processing and consults with the credit approval hierarchy (i.e. Senior Loan Officer Credit Manager VP Credit) for special cases outside current policy provision or level of authority.
- Collaborates with Collection team in addressing and minimizing delinquent accounts within his/her branchs loan portfolio
- Identifies areas for process/ policy improvements in accordance with customer needs and companys requirements; provides input to management.
- Customer Relations Management
- Acts as the CRM champion in the branch ensuring that daytoday client interactions are representative of Golden Legacys brand.
- Provides feedback to Business Development team on improving CRM programs based on customer dealings.
- Branch Administrative Management
- Coordinates with Operations Department (Admin) in carrying out administrative and housekeeping functions in the branch premises:
- Ensures branch premises/ facilities are maintained according to Central Admins policies on cleanliness security and occupational health and safety; oversees renovation projects as necessary
- Handles the procurement / inventory of goods / office supplies and other payables (e.g utilities temporary staff payroll) that are classified under OPEX and prepares subsequent liquidation reports (as may be applicable)
- Ensures contracts insurance requirements and government regulations are complied with; provides Operations Department (Admin) with proper documentation (as may be applicable)
- Manages the branchs operational budget; advocates economic and efficient use of resources to lower OPEX.
- Oversees custodial and seasonal workers and coordinates issues with their respective manpower agencies.
- Team Management
- Supervises the Branch Credit Operations personnel in the branch specifically the Credit Assistant
- Acts as a mentor by providing constructive feedback to onedowns and ensures that an optimal environment for personal improvements.
- Continuously looks for new and innovative ideas to improve personal team and operational effectiveness.
- Cultivates and encourages a team culture within the branch that is supportive of the companys vision mission goals and strategies.
- Others
- Provides needed data for management reporting.
- Performs other duties and responsibilities that may be assigned from time to time.
Employment Type
Full Time
