Loans Manager

LOANS MANAGER

About the role

Our client is a well-established Philippine financial services group with a nationwide presence and a diverse portfolio of financial products and services, including lending, remittance, payments, and other consumer and business financial solutions.

The organization is expanding its lending operations and is looking for an experienced Loans Manager to lead a Loan Center, drive business growth, manage loan portfolio quality, and oversee the performance of the lending team.

This is a hands-on lending and sales leadership role that will work closely with Credit, Credit Investigation, Appraisal, and other support teams to ensure the effective processing, approval, release, and management of loans.

Job Summary

The Loans Manager will oversee the Loan Center's sales performance, client acquisition, loan portfolio management, and daily operations. The role is responsible for achieving loan disbursement targets, maintaining portfolio quality, ensuring compliance with credit and documentation requirements, and leading loan officers in sourcing and managing qualified borrowers.

The ideal candidate has strong lending sales experience, preferably in SME financing or commercial loans, with a proven ability to drive business growth while maintaining a healthy loan portfolio.

Qualifications

• Bachelor's degree in Business Administration, Finance, Management, or any business-related field.
• At least 5 years of direct lending sales experience with a bank, financing company, or cooperative.
• Experience in SME financing or commercial lending is highly preferred.
• Strong background in client acquisition, loan disbursement, account management, and portfolio monitoring.
• Experience supervising loan officers and coordinating with credit, appraisal, and credit investigation teams.
• Strong sales, negotiation, analytical, client relationship management, and problem-solving skills.

Key Responsibilities

1. Loan Center Management

• Oversee the Loan Center's daily operations, sales activities, and overall performance.
• Coordinate with loan officers on sales plans, area mapping, prospecting activities, and client acquisition strategies.
• Accompany loan officers to client meetings and assess the initial eligibility of prospective borrowers.
• Review and recommend loan applications and related documents before submission to the Credit Team and entry into the loan system.
• Coordinate with Credit Investigation (CI), Appraisal Officers, Credit Analysts, and Credit Administration to facilitate timely loan evaluation and processing.
• Monitor loan officers attendance, productivity, timeliness, and workload distribution.
• Ensure the Loan Center maintains proper administrative operations, office upkeep, and a professional working environment.

2. Sales and Business Development

• Achieve assigned loan disbursement and new-client acquisition targets.
• Identify and solicit qualified borrowers, particularly potential SME and commercial loan clients.
• Manage and respond to client referrals from Palawan Pawnshop branches.
• Conduct client meetings, present loan products, explain eligibility requirements, and identify suitable financing solutions.
• Maintain accurate client records and update the loan pipeline in the designated system.
• Conduct initial credit investigation and eligibility screening of prospective borrowers.
• Collect and validate the authenticity and completeness of documents required for credit investigation, evaluation, and appraisal.
• Develop monthly sales plans, including territory mapping, prospect lists, and client acquisition activities.
• Identify opportunities to cross-sell other products and services within the Palawan Group.

3. Loan Portfolio and Account Management

• Monitor loan repayments and follow up on overdue accounts to support timely collection and minimize portfolio delinquency.
• Maintain the Loan Center's non-performing loan (NPL) and past-due ratios within approved targets.
• Conduct loan utilization checks 30 days after disbursement to verify that funds are being used for their declared purpose, with findings documented in the client's credit file and loan system.
• Conduct client relationship and account maintenance calls at least once every six months to validate account status and identify renewal opportunities.
• Process loan renewals and requests for additional credit lines, subject to applicable credit policies and approval requirements.
• Coordinate the completion and registration of required collateral mortgage documents to help secure borrower accounts.
• Assist clients throughout the loan disbursement process.
• Follow up on outstanding documentary requirements, tax compliance, insurance, clearances, and other requirements prescribed by the Credit Department.
• Prepare monthly remedial and workout plans for accounts with missed payments or other repayment issues.

4. Credit Coordination and Compliance

• Work closely with the Credit Team to ensure efficient loan appraisal, evaluation, validation, and approval processing.
• Ensure loan applications meet established eligibility criteria and documentary requirements before submission.
• Maintain complete and accurate loan documentation and system records.
• Ensure compliance with internal lending policies, credit procedures, and documentation standards.
• Prevent documentation deficiencies, system errors, and other compliance issues through proper review and monitoring.

Key Performance Indicators (KPIs)

• Achievement of loan disbursement and new-client acquisition targets.
• Loan portfolio quality, including NPL and past-due ratios within approved limits.
• Loan pipeline growth and conversion of qualified prospects into disbursed accounts.
• Timeliness and completeness of loan documentation and processing.
• Compliance with lending policies and loan system requirements.
• Client retention, loan renewals, and cross-selling performance.
• Productivity and performance of loan officers under the Loan Center.

Employment Type: Full-time

Location: Bacolod City