Collector and Credit Investigator

Duties and Responsibilities

1. Sales and Marketing

Achieves booking target by determining number of loan applications required.
Visits clients regularly and maintains good relationships with them to encourage repeat business.
Visits and maintains constant and regular dialogue with dealers and coordinates with agents or business opportunity service specialists.
Knows and is aware of what competition is doing and reports to branch manager any unusual events which may affect the branch operations.
Elevates concerns brought to his attention by clients, dealers, and agents at once.

2. Collection Efficiency

Achieves and maintains collection efficiency target following the company credit standard policy and guidelines.
Receives, evaluates, and conducts initial interview of walk-in customers.
Conducts credit investigation within required proximity and work hours.
Conducts unit/collateral verifications of approved loan applicants.
Maintains the up-to-date status of customer’s visit card.
Conducts a pre-collection visit a week before the first due date and regular collection follow-up on delinquent or past due account.
Remits all collections and unissued official receipts to admin office/branch manager before the end of the day.

3. Remedial Management

Undertakes and conducts personal visit of delinquent accounts and initiates immediate corrective actions whether for restructuring, moratorium,
repossession or legal action.
Coordinates and discusses with branch manager concerns regarding delinquent accounts.
Serves demand letters, return check notice to concerned customer and ensures acknowledgement receipt.

4. Documentation

Prepares daily itinerary performance report.
Encodes credit report on web application system.
Prepares credit report and discusses with branch manager.
Coordinates with loans clerk on mortgage documentations, postdated check and insurance requirements
Assists on registration of necessary loan documents.