Accounts Relationship Officer

Work Set up: Onsite (Batangas)
Work Shift: To be confirmed

Our Client is seeking a highly experienced and well-connected professional to join our team as an Account Relationship Officer in Batangas. The ideal candidate will have a strong background in microfinancing or microlending, with a deep understanding of the microenterprise landscape in Batangas. This role is focused on expanding our loan portfolio by establishing strong borrowing relationships with microenterprises that have been operating for at least five years.

Key Responsibilities:

Loan Portfolio Growth
Spearhead efforts to establish borrowing relationships with microenterprises in
Batangas.
Identify, assess, and onboard businesses that have been operating for at least five
years.
Evaluate the credit strengths and risks of potential borrowers to ensure sustainable
loan growth.

Credit Evaluation & Risk Management:

Conduct thorough credit assessments of microenterprises, focusing on understanding their financial health, strengths, weaknesses, and overall risk profile.
Leverage local knowledge and relationships to accurately gauge the "credit lay of the land" in Batangas.
Implement effective credit control strategies to minimize risk while optimizing the loan book.

Market Expansion:

Act as our client’s primary point of contact down to the micro-enterprise level and work together with the Regional Head for Southern Luzon, building and maintaining strong relationships with key players in the microenterprise community.
Continuously monitor market trends, identify growth opportunities, and provide strategic recommendations for expanding the company’s presence across the region.

Reporting & Analysis:

Provide regular updates on portfolio performance, market conditions, and borrower status.
Collaborate with internal teams to ensure alignment with 1Sari’s overall objectives.

Key Qualifications:

-Minimum of 5 to 7 years of experience in microfinancing or microlending, particularly in Batangas.
-Proven track record of building strong relationships with microenterprises in Batangas, with a deep understanding of their business dynamics.
-Strong knowledge of credit control, including experience in risk management and credit evaluation.
-In-depth understanding of the financial strengths and potential risks of microenterprises in Northern Luzon.
-Excellent interpersonal and communication skills, with a demonstrated ability to influence and build trust with microenterprise owners.
-A solid network of contacts within the local microenterprise community.
-Deep understanding of the local credit landscape, particularly in Batangas