The Branch Head supervises credit operations in the branch in accordance with credit policies and processes including efficiency standards. S / he manages the CCD branch personnel ensuring that performance and productivity targets are met and takes charge of maintenance and upkeep of branch facilities / premises in accordance with company standards and in coordination with Operations Department; thereby ensuring economic and efficient use of company resources.
A. Branch Credit Operations
- Conducts branch loan processing according to credit policies and processes and service level standards.
Reviews and evaluates loan applications according to credit underwriting policies.
Conducts interviews on loan applicants to check for eligibility.Ensures that documentary and other eligibility requirements are complete and in compliance with underwriting standards.Reviews loan agreements to ensure completeness and accuracy according to policy (e.g. payment schedule and computations).Approves loans within specified limits and refers loan applications outside those limits to higher approving authorities for approval.Coordinates with Head Office for loan payment processing and release; facilitates loan proceeds releasing to borrowers; conducts necessary follow-ups to ensure timely release.Attends to issues / client complaints on loan processing and consults with the credit approval hierarchy (i.e. Senior Loan Officer, Credit Manager, VP Credit) for special cases outside current policy provision or level of authority.Collaborates with Collection team in addressing and minimizing delinquent accounts within his / her branch loan portfolioIdentifies areas for process / policy improvements in accordance with customer needs and company's requirements; provides input to management.B. Customer Relations Management
Acts as the CRM champion in the branch ensuring that day-to-day client interactions are representative of Golden Legacy's brand.Provides feedback to Business Development team on improving CRM programs based on customer dealings.C. Branch Administrative Management
Coordinates with Operations Department (Admin) in carrying out administrative and housekeeping functions in the branch premises :Ensures branch premises / facilities are maintained according to Central Admins policies on cleanliness, security, and occupational health and safety; oversees renovation projects as necessary
Handles the procurement / inventory of goods / office supplies and other payables (e.g, utilities, temporary staff payroll) that are classified under OPEX and prepares subsequent liquidation reports (as may be applicable)Ensures contracts, insurance requirements, and government regulations are complied with; provides Operations Department (Admin) with proper documentation (as may be applicable)Manages the branch operational budget; advocates economic and efficient use of resources to lower OPEX.Oversees custodial and seasonal workers and coordinates issues with their respective manpower agencies.D. Team Management
Supervises the Branch Credit Operations personnel in the branch, specifically the Credit AssistantActs as a mentor by providing constructive feedback to one-downs and ensures that an optimal environment for personal improvements.Continuously looks for new and innovative ideas to improve personal, team and operational effectiveness.Cultivates and encourages a team culture within the branch that is supportive of the company's vision, mission, goals, and strategies.E. Others
Provides needed data for management reporting.Performs other duties and responsibilities that may be assigned from time to time.