Deskripsi Pekerjaan
Quezon Capital Rural Bank, Inc. is seeking a detail-oriented and customer-focused Loan Specialist to join our dedicated Loans Department in San Juan, Bulacan. In this vital role, you will be instrumental in driving community financial empowerment by facilitating credit solutions for individuals, small businesses, and agricultural stakeholders.
As a Loan Specialist, you will manage end-to-end loan application processing, evaluate borrower creditworthiness, verify documentation, and maintain regulatory compliance throughout the lending lifecycle. The ideal candidate exhibits strong analytical capability, exceptional interpersonal communication, and a commitment to operational efficiency and accuracy.
We offer competitive compensation, comprehensive benefits, and clear avenues for professional advancement within the banking sector. Join Quezon Capital Rural Bank, Inc. to build a rewarding financial services career while making a direct impact on local economic growth.
Tanggung Jawab
- Receive, review, and evaluate loan applications to determine eligibility and completeness under bank lending guidelines.
- Conduct thorough credit checks, income verifications, and collateral assessments for loan applicants.
- Prepare credit memos, loan approval recommendations, and required documentation for committee review.
- Engage directly with clients to explain loan terms, conditions, interest rates, and repayment schedules.
- Maintain and organize physical and electronic loan folders, ensuring audit-ready documentation and data privacy compliance.
- Coordinate with branch operations and underwriting teams to facilitate timely loan disbursement.
- Monitor active accounts, track repayment statuses, and assist with initial collection or renewal outreach when necessary.
Kualifikasi
- Bachelor's degree in Banking and Finance, Business Administration, Accounting, Economics, or related field.
- Minimum of 1 to 2 years of relevant experience in loan processing, credit evaluation, or lending operations within a bank or lending institution.
- Familiarity with BSP (Bangko Sentral ng Pilipinas) banking regulations and consumer lending standards.
- Strong analytical, mathematical, and risk-assessment abilities.
- Excellent verbal and written communication skills in English and Filipino.
- Proficiency in banking software systems, database management, and Microsoft Office (Excel, Word).
- High ethical standards, integrity, and meticulous attention to detail.