Urie Mariano

To build and maintain effective business relationship with clients in the market, and
to ensure closing of sale. Full awareness on product and policy knowledge and
implementing them at all times. General awareness on Bank’s other policies. To
make client calls and prepare/submit case log ins with all relevant documentation
for approvals. To ensure that information submitted to credit is error free and
complete. To ensure that sent files for disbursal are complete on mandatory
documentation to avoid log in reject. Follow ups, and errors to be rectified and
document deferrals to be resolved within deferred time frame. To ensure that
Bank’s pricing policies are complied at all times. To achieve or exceed monthly set
target. To provide market feedback, whenever necessary and penetrate into new
market. To participate in activities assigned by your Direct Manager during
campaigns/promotions. Maintain effective business relationship with clients to
acquire good and quality business. To ensure that routine problems and complaints
are handled professionally and issues escalated to Line Manager.

Performs “high level” checking of documentation presented by IBS counterparts for accuracy, completeness, and alignment with approval. Communicates any deficiencies to IBS counterparts in a timely manner to ensure timely resolution, follow-up and best in class customer service. Analyze, evaluate, recommend and authorize/reject Corporate and Commercial loans files. Approve loans within specified limits, and refer loan applications outside those limits to management for approval. Ensure proper segregation of duties, develop and maintain work flows for all stages of loan payments/repricing. Interviewing, hiring and training employees: planning, assigning and directing work; employee performance management; addressing complaints and resolving problems. Supervise all aspects of loan operations - this supervision includes review of loan summary sheet, posting of payments in the CL system, printing of memos, lifting and tagging of collaterals. Conducts various assessments to ensure department procedures are achieving accurate and desired results.

Acquire new corporation as partners for the bank to open a new facility which gives additional benefits to their employees in terms of corporate loans with the help of assigned branches or own solicitation. Justify from the bank management that all endorsed accounts are capable and eligible to be granted a facility with minimal risk. Make sure that every existing accounts will use their credit line as much as they are given. Monitor payments regularizations and past due ratio for every accounts. This also covers the visibility with the client on which the officer is active in times that the client has a concern whether big or small to maintain a good relationship. Organize product briefing, nesting activities and loan orientations. Cross sell other products such as auto loans, housing loans, credit cards and other bank products.

Closely coordinates with Human Resources and Payroll Departments of accredited companies on the payment of employee’s salary loan. Accountable to make follow-ups through productive call outs, SMS reminder, emails, and send demand letters / notices to borrowers with past due obligations. Negotiate payment arrangements for big accounts and follow ups to ensure payment are made. Works closely with key departments to implement processes and policies that contribute to accurate collection. Perform collections reports and manage monthly statistical data. Provide staff training on new systems, consumer credit and collection legalities, and customer care issues. Ensures that adjustments/waivers and/or reversal of accounts are approved based of Level of Authority (LOA).

Conduct interviews with clients regarding their loan accounts to ensure that all possible financial options, either via property sale or remedial, are explored. Perform financial analysis and credit underwriting. Prepare individual Portfolio Management Report, Lead Generation Report and Monthly Forecast. Establish the identity of the transacting party and determine the relationship to the original borrower based on the presented proof of identity of the client. Design various activities and strategies to reach out account holders and negotiate for the settlement and resolution of their delinquent loans. It is the task of the AS to do regular call outs, send SMS text, send letters and go through door-to-door activities in the subdivisions. Make recommendations that financial accounts are active for resolution while non-financial accounts are endorsed for foreclosure to legal. Assess the history of the individual accounts, decides on the settlement amount based on the total owed, principal, interest, against the appraised value of the property. Prepares the formal proposal, draft of settlement, and attachment justifications and send it to the management for approval. Presents a one-on-one discussion with Department Head and the President on the evaluation of portfolio and consultation regarding strategies on how to remedy the accounts.

Greet people entering the building, answering any questions, providing directions and alerting staff when someone is there to meet or visit them. Answer a multiple line phone system, manage calls by routing them to the proper extensions or taking messages and delivering them within our message system along with setting up conference calls as requested. Provides available rooms and rates, offers hotel information, processes cash/card settlements. Handles and manages complaints, inquiries, and requests of the guests. Handles training for newly hired receptionists such as basic duties and responsibilities.