Loan Manager - Ortigas Pasig

1. The Loan Manager generates sales using the different channels created and launched for LMG.
2. The Loan Manager makes sure the goals and objectives most especially the loan release targets are met consistently.
3. The Loan Manager implements and monitors the programs launched for LMG.
4. The Loan Manager ensures that all policies and procedures, guidelines and other implementing documents are followed by the team.

SPECIFIC DUTIES AND RESPONSIBILITIES:

Management:

1. Lead and create harmony to the team.
2. Prepare a sales and marketing plan for the team in line with the Banks revenue and profitability targets.
3. Ensure that the Banks approved strategies are implemented and provide feedback or suggestions for the improvement of the Banks policies or procedures.
4. Evaluate individual performances using the Performance Management Framework of the Bank. Submit evaluation results as scheduled by the Bank.
5. Collect customer feedback and report them to the Business Development Office for continuous improvement.
6. Evaluate performance of active agents; report any anomalies or violations of agents.

Operations:

1. Maximize the current sales channels and look for ways to expand the Banks ability to reach customers to meet and exceed monthly targets. :

• Accredit more agents to get more pool of leads and increase sales production
• Re-activate agents and provide strategic marketing plans
• Solicit or generate own accounts to contribute to the increase of sales production
• Use of marketing channels or tools such as but not limited to social media platforms for more marketing campaigns approved by the Business Development Office and Group Head
• Checks and validate information encoded in the Branch Lending Tracker
• Conceptualization of branch-level campaigns and marketing activities in coordination with BDO for certain types of activities.

2. Monitor loan applications being processed by the Loan Evaluators and Marketing Associates specifically:

• Number of CAMs being processed by the Loan Evaluator and the Marketing Assistant

• Number of applications pending for ocular and verification by the Loan Evaluator

• Number of completed CAMs at the OBO level.

• Number of CAMs submitted to Credit

• Number of applications with pending documents/ requirements submission

• Total number and amount of approved applications

• Total amount released

3. Ensure all proper and legal documents are in order.

4. Guide the Loan Evaluators in the preparation of CAM while guiding the Marketing Associate in completing all the documents to support the CAM.

5. Review, approve or reject CAMs submitted by the Loan Evaluators prior to signing and prior submission to the Area Head for review and signature. Return CAMs with discrepancies, incorrect or insufficient information for revisions.

6. Review, approve or reject any documents/ forms prior to signing and submitting to the designated department/ division.

7. Frequently conduct meetings with agents to communicate any new programs or business changes; check on who are still active and who are not; to further enhance the relationship between the agents and the Bank. Report inactive agents to the Agent Relations Officer.

8. Monitor daily activities of the Loan Evaluators and Marketing Associate to ensure that productivity measures are in place.

9. Oversee covered loan centers and check on the following:

• Loan Centers handling of agents and clients

• Safety, cleanliness, and orderliness

• Deliverables

10. Monitor attendance or official business trips of the team; review, approve or reject attendance files in the HRIS.

11. Ensure that approved processes, policies and procedures, guidelines and other program mechanics or strategies are being followed by the team

• Ensure confidentiality of all information and documents gathered from both clients and agents

• Ensure proper use of all information, documents including office supplies, equipment and facilities

Custodianship:

• Loan Applications
• Copies of CAMs and related documents
• Copies of Individual Performance Reviews and Ratings submitted to the Human Resources Department
• Coaching logs
• Minutes of the meetings with the team and the agents.

Monitoring and Reporting:

• Report sales performance per channel used
• Monitor daily activities of the team and their outputs
• Submit sales report with actual target releases, pending approvals and pending applications to the Business Development Office and Group Head
• Report violations against the Code of Conduct, policies and procedures

COMPETENCIES:

• Relationship Management
• Analytical Skill
• Social Media Marketing & Strategy
• Customer Service, Complaints Management, Incident Management
• Strategic Planning & Thinking
• Critical Thinking
• Leadership, People Management
• Effective Communication (Oral & Written)
• Effective Presentation
• Creative Thinking
• Project Management
• Negotiation and Assertiveness
• Performance Management
• Risk Management
• Budget / Financial Management
• Basic and Intermediate Accounting
• Financial Analysis
• Problem Solving and Decision Making
• Reporting/ Data Management
• Credit Evaluation and Analysis
• Entrepreneurship/ Microeconomics
• Coaching/ Mentoring Skills
• Conflict Management and Resolution
• Training and Development
• Influencing and Persuasion Skills
• Interviewing and Probing Skills
• Delegation
• Accountability
• Organizing Skills

QUALIFICATION GUIDELINES:

Education

Preferably at least a bachelors degree in marketing/Business Studies / Administration /Management/Banking and Finance or its equivalent.

Experience

At least 5 years of extensive experience in Sales and Marketing from a reputable banking/ financial services industry. Knowledge on Credit Investigation is also desirable but not required.

Others

• With strong analytical, strong leadership skills and people management, interpersonal and negotiation skills.
• The ability to actively listen to and act on customer needs and desires. Can do attitude.