Accounts Relationship Officer (Field Work)
Work Set up: Onsite (Laguna)
Work Shift: Monday to Friday, 9 AM to 5 PM Philippine Time
Our Client is seeking a highly experienced and well-connected professional to join our team as an Account Relationship Officer in Laguna. The ideal candidate will have a strong background in microfinancing or microlending, with a deep understanding of the microenterprise landscape in Laguna. This role is focused on expanding our loan portfolio by establishing strong borrowing relationships with microenterprises that have been operating for at least five years.
Key Responsibilities:

• Loan Portfolio Growth
• Spearhead efforts to establish borrowing relationships with microenterprises in Laguna.
• Identify, assess, and onboard businesses that have been operating for at least five years.
• Evaluate the credit strengths and risks of potential borrowers to ensure sustainable loan growth.

Credit Evaluation & Risk Management:

• Conduct thorough credit assessments of microenterprises, focusing on understanding their financial health, strengths, weaknesses, and overall risk profile.
• Leverage local knowledge and relationships to accurately gauge the "credit lay of the land" in Laguna.
• Implement effective credit control strategies to minimize risk while optimizing the loan book.

Market Expansion:

• Act as our client’s primary point of contact down to the micro-enterprise level and work together with the Regional Head for Southern Luzon, building and maintaining strong relationships with key players in the microenterprise community.
• Continuously monitor market trends, identify growth opportunities, and provide strategic recommendations for expanding the company’s presence across the region.

Reporting & Analysis:

• Provide regular updates on portfolio performance, market conditions, and borrower status.
• Collaborate with internal teams to ensure alignment with 1Sari’s overall objectives.

Key Qualifications:

• Minimum of 5 to 7 years of experience in microfinancing or microlending, particularly in Laguna.
• Proven track record of building strong relationships with microenterprises in Laguna, with a deep understanding of their business dynamics.
• A portfolio showcasing your successful loan/proof of loans to businesses (small, medium to large) is REQUIRED.
• Strong knowledge of credit control, including experience in risk management and credit evaluation.
• Since this is fieldwork, ideal candidates should have their motorcycles.
• In-depth understanding of the financial strengths and potential risks of microenterprises in Northern Luzon.
• Excellent interpersonal and communication skills, with a demonstrated ability to influence and build trust with microenterprise owners.
• A solid network of contacts within the local microenterprise community.
• Deep understanding of the local credit landscape, particularly in Laguna

What's in it for you?
Gas and Motorcycle maintenance will be shouldered by the company
Opportunities for promotion if good with performance
Regularization within 3 months
Job Type: Full-time
Pay: Php20,000.00 - Php25,000.00 per month
Benefits:

• Fuel discount
• Opportunities for promotion
• Promotion to permanent employee

Schedule:

• Day shift
• Fixed shift
• Monday to Friday

Application Question(s):

• How many years of experience do you have as a Business Loan Officer?
• Do you have your own motorcycle? (The company will shoulder gas and motorcycle maintenance)
• As a Loan Officer, do you have a portfolio or record that showcases your experience with successful business loans or other types of loans you’ve managed? We'd like to understand your track record and approach to facilitating these transactions.
• This position requires a significant amount of fieldwork, as you'll need to visit various businesses to collect payments. Are you comfortable with a role that involves traveling between different locations regularly, and do you have any experience with similar responsibilities?