Sales Account Officer - Mortgage Dept
Banco de Oro, Unibank, Inc. Philippines
Total years of experience :13 years, 10 Months
Responsible for account solicitation, manage and build the assigned channel and ensure that sizable share of the market is attained
Responsible for loan packaging, cross selling of other CBG products to different sources or channel
Prescreening of accounts and ensuring proper KYC of accounts handled
Negotiating with clients relative to terms and conditions of Home Loans
Developing relationship with retail clients (developers, brokers/agents and branches)
Coordinate with other divisions and departments involved in the credit delivery process
Responsible for the overall relationship of the Bank with the client, generates business from existing and prospect accounts
Responsible for achieving loan volume targets while maintaining profitability, sound credit quality and good customer service
Provides excellent service to clients.
Maintain the tidiness of the Office and Reception areas.
Answer and screen call professionally before transferring to its respective
departments.
Coordinate with various Suppliers to make sure that stocks and supplies
needed for office and pantry are always available.
Managed calendaring, scheduling appointments, and coordinating
meetings for executives.
Planning and preparing for office events, such as meetings, conferences,
and promotional activities.
Managed file and document organization and maintained accurate data
entry.
Provides general administrative support to others line manager.
Assist HR on HRIS, recruitment process, screening resumes, conducting
interviews, and extending job offers, on-boarding, minutes taking and
other tasks as assigned by HR Department.
Maintained employee files.
Assisted in conducting performance reviews and managing employee
relations issues.
Maintain daily MISs on logins, approvals and disbursements/setups on
daily basis across CA channels for the relevant products being handled.
Ensure that Productivity MIS is updated accurately and immediately.
Support channel heads, channel effectiveness head and CA head in adhoc
analytical requirements.
Provide coordination for liaison request between credit/ops and sales
team to ensure effective.
Ensure applications are processed within agreed TAT in compliance with
all minimum control standards.
Ensure leads received from product team to be aptly distributed among
team and status to be updated on regular basis.
Soliciting target accounts in the team's identified markets and cross sell
Negotiating with clients relative to terms and conditions of loans
Developing relationship with wholesale and retail clients (developers, brokers, agents, contractors and their individual buyers)
Preparing credit packages in accordance with Bank policies, lending guidelines and credit criteria that would result to optimal use of resources and maximum profits
Coordinating with other divisions and departments involved in the credit delivery process
Generates the requisite volume of mortgage loans to achieve the individual quota
Prepares packages/recommendations in conformity with lending guidelines and credit criteria
Provides excellent service to retails clients.
Responsible for account solicitation, manage and build the assigned channel and ensure that sizable share of the market is attained
Responsible for loan packaging, cross selling of other CBG products to different sources or channel
Prescreening of accounts and ensuring proper KYC of accounts handled
Negotiating with clients relative to terms and conditions of Home Loans
Provides excellent service to clients.
JOB DUTIES AND RESPONSIBILITIES:
1. Responsible for the timely conversion of approved loan to actual booking by conducting thorough review of loan documents; proper coordination with clients in the compliance of pre-booking loan requirements; and coordination with CLG LOS in the final review of loan documents to effect loan booking.
2. Responsible for closely monitoring of post -booking loan deficiencies through proper coordination with the AO concerned and/or clients.
3. Assist the Account Officer on his absence in handling client signing of loan documents.
4. Responsible for the achievement of given target and contribute to the Team's objectives and targets.
5. Meets the monthly target set by the Team Leaders
6. Provides status report of accounts under review to the Team Leader in order to arrive at better projection in total loan bookings for the period.
7. Secure legal clearance and advice for findings noted during review to ensure and safeguard the interest of the bank.
8. Coordinates with CLG LOS for final review.
Receives and logs all incoming & outgoing correspondences and messages, and determined, through the Head's instruction, which requires routing.
Scheduled appointments for the department. Arranges transportation schedule for the department.
Makes necessary arrangements/reservations for functions of the department.
Screens visitors/clients and refers them to the Business Head or appropriate person, ensures that visitors, especially VIPs do not feel unattended.
Serves as an intermediary between visitors/clients and the Business Head.
Assists the department in arranging transportation and travel intended for client calls outside the office or Metro Manila.
Schedules and dispatches messenger based on instructions received form the department.
Maintenance & Control of records and Supplies
Files and maintain records of documents.
Prepares requisition of supplies for the department.
Controls and monitors utilization of the department's equipment and supplies.
Safekeeps supplies and equipment.
MIS/Reports
Prepares relevant reports such as but not limited to the ff: booking reports, payment report, budget variance, receivables report.
Maintains good working relations with other officers and staff of the bank as well as with external entities regarding any matter affecting the operations of the department.
Coordinates with the Building/Resident Manager on the needed Administrative support
Prepares, files and disseminates letters, correspondence as directed
Handles and screens telephone calls, mails and messages
Arranges and schedules appointments, meetings for internal and external customers
Responsible maintaining, updating and safekeeping of important documents as instructed
Monitors the daily time record and leave schedules of personnel
Prepares minutes of coordination and staff meetings
In the absence of an Accounting Personnel, the position performs Accounting duties including but is not limited to:
Prepares voucher and payment for contractors
Responsible for petty cash and corresponding receipts other related documents
Ensures the correctness of receipts and billing prior to liquidation and processing
All other related tasks as needed and as required by the Department being supported
Monitors the periodic physical count of stock office supplies and office equipment in the managed property.
Assists walk-in guests, client’s unit owners, tenants, etc. on their inquiries and liaises them to appropriate units or individuals.
Receives and relays business calls and messages to appropriate units or individuals.
Monitors the complaints of tenants and relay them to the appropriate units and makes necessary follow-ups on the progress of the complaints when needed.
Monitors and records log-in and log-out time of guests, tenants and employees.
5. Coordinates with the Superior for problems or concerns encountered and instructions.
6. Prepares and submits required reports.
All other related tasks as required.
On the Job Training