Remedial Account Officer - Field Collection and Recovery Department
RCBC
Date: 5 hours ago
City: Bacolod City
Contract type: Full time
Job Summary
- Management of delinquent consumer loans by mitigating, reducing, and resolving Past Due Loans (PDL) and Non-Performing Loans (NPL). This includes timely and effective collection through field visits, calls, and emails (pay-off, updating, partial payment, debt restructuring/payment workout), foreclosure, or other loan resolution methods. The role aims to achieve Leakage and Recovery targets at minimal cost, maintain an acceptable loan delinquency ratio, and generate income from bad debt recovery and other sources.
- Probe, resolve and update Past Due Loans (PDL) and Non-Performing Loans (NPL) of the bank’s consumer loans portfolio assigned to the Unit through telephone and field collection, remedial management and recovery/resolution.
- Evaluate client’s financial and debt service capacities as reasons for loan delinquency and traces whereabouts of borrowers and other assets if contact is negative and implement alternative courses of action within the approved guidelines
- Negotiate with clients on acceptable repayment risk programs and set terms and conditions and obtains client’s concurrence with the risk mitigation programs offered
- Graduate of Business Management of any related course;
- At least 2 years banking experience preferably in the area of lending/account management, remedial management, credit analysis.
- With working knowledge of basic account management, basic documentation, legal procedures and practices, negotiations, policies, practical business orientation, remedial management, risk management and technical expertise
- Well-versed in BIR, SEC and BSP Regulations
- With supervisory/team leader experience and know-how in handling past due consumer loans from early aging to litigation gained from Banks, Financial Institutions or Collection Agency;
- Good written and oral communication skills; Proficient in Microsoft Office Applications (Word, Excel, PowerPoint),
- Excellent organizational, analytical and problem solving skills.
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