Job Classification: TechnicalReports directly to: Credit Relationship Department ManagerJob Summary: The Credit Relationship Officer reports directly to the Department Manager and isresponsible in the solicitation and selling of the Bank's loan products and inensuring the quality of loan accounts solicited to improve loan portfolio.As a technical function, it also provides inputs to the Department Manager inreviewing and enhancing existing policies, strategies and operational proceduresin loan sales, solicitation and client retention.Duties and responsibilities:1. Solicits and markets loan products of the Bank to increase the Bank's totalloan portfolio.2. Meet with loan applicants, interview to define or determine financialeligibility of granting loans and established or set up debt payments,information on specific loan needs and resolve any loan-related issues.4. Performs duties and responsibilities as:a.Compliance Coordinator on Marketing and Sales within assigned Branches.(Assist the CCO in the implementation of compliance manual. b. Assist theCCO in dissemination of laws, regulations, rules standard and otherregulatory requirements c. Reviews, assesses and performs compliancetesting d. Conducts and/or monitors compliance findings 5. Provides anactive advisory service 6. Develops relationships with Compliance Officersand other Compliance Coordinators. 7. Promote best practices.3% 5. Generates and submit reports for AMLA and BSP3% 6. Adheres with internal control practices in the implementation of operational systems, policies, procedures and related business processes7. Analyze active loan files on a regular basis and recommend solutions tospeed up the loan process.2% 8. Contact clients to gather financial data and documentation.9. Prepare and process loan application (loan packaging) from its receiptuntil the final result is received (approved/deferred/disapproved).2% 10. Justify decisions (approval/rejections) loan applications and explain deficiencies to applicants.2% 11. Coordinates with loan applicants in processing the approved loan fo release2% 12. Writing and editing loan presentation; reviewing loan documents prior for approval.13. Prepare and complete loan contracts by obtaining signatures andnotarizations of documents (e.g. SPA, Real Estate Mortgage, ChattelMortgage, Loan Agreement)14. Conduct and undertakes the submission of Loan Utilization Checks(LUCs) and other deferred documents after the release of loan2% 15. Monitor and manage repayment activities of own portfolio and update account records.2% 16. Follow up clients payments, for insurances and loan renewals.2% 17. Monitors and coordinates with farmer /fisherfolks re: progress of the cropfrom planting to harvest season, growth of aquamarine livelihood (for agri-agra loan) and status of loan purpose.2% 18. Perform account build-up and system booking.2% 19. Orient client prior to release on Loan Agreements, Loan Terms andConditions, Insurances and other loan related responsibilities of the client.2% 20. Check accuracy of daily and monthly generated Fringe Benefit (FB) LoanAccounts reports and other FB related reports.2% 21. May perform related duties as assign or as the situation dictates.2% 22. Participate in training sessions as assign and seek out training that willimprove skills in credit analysis, documentation and sales.2% 23. Recommends strategies in the form of new/enhanced loanpolicies/procedures, products and services and promotional activities incompliance with laws and regulations.2% 24. Performs cross-selling of other Bank products and services.
