Lending Officer

The Lending Officer is responsible for evaluating, authorizing, or recommending approval of commercial, real estate, or credit loans. This role involves assessing the creditworthiness of applicants, reviewing loan applications, and ensuring compliance with regulatory policies and internal lending procedures. The Lending Officer also maintains strong customer relationships, provides financial advice, and works to grow the institution’s loan portfolio while minimizing risk.

Educational Background:

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  Degree in Bachelor of Science in Accounting, Finance or Management

  
  

Experience:

• 
  

  Minimum of five (5) years work experience, or at least two (2) years managerial capacity

  
  

Travel Requirements:

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  Across the PH

  
  

Others:

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  Applied skills in use of MS Office programs (i.e. excel, word, power point)

  
  

 

Duties and Responsibilities:

Work Management

• Ensures the timely release of loan availments

• Ensures the timely refund of matured savings from the fund

• Ensures timely submission of KPI reports

• Ensures the development and implementation of new products for the benefit of members-employees for the Fund.

• Ensures the timely submission of financial reports

•Grow the market

• Identify new products/ new markets

 

Customer Management

•Maintain friendly, trustworthy, beneficial and productive professional relationships with clients; specifically;

1. 
   

   Ensures the timely and accurate resolution of customer complaints / queries

   
   

2. Ensures that loan borrowers are accorded the required assistance.

 

Control of Quality

• Ensures that borrowers have completed the documentary requirements, are qualified for loan availment, and are capable of repaying the loan before loan applications are approved

• Ensures that all emergency loan availments are duly supported by the required documents

• Ensures that accuracy of checks for loans and matured savings plan Before the signatory signs

 

Human Resource Management

• Ensure that all members of the team are at par with the performance standards set by the management

• Provide opportunities, coach, mentor and / or train employees to develop their competencies for improved performance of their function

• Counsel employees and implement disciplinary actions imposed on them tom ensure improvement of attitude and habits

• Foster teamwork among members of the team particularly;

1. 
   

   Clarify individual goals in the achievement of the company goals.

   
   

2. Clarify dependence and interdependence required from one another.

3. Encourage team members to give feedback to one another and resolve issues to improve relationships.