Description:
• Ensures that all processes/transactions/decisions are in accordance with established Bank policies, credit requirements, and that the required turnaround times are met.
• Schedules /conducts field appraisal inspection of collateral properties.
• Locates collateral property through tax mapping, validate vicinity map and conduct ocular inspection of the property described in the title.
• Verifies lot configuration vs. plotting and other submitted documents
• Determines floor area of the building and/or other improvements through actual measurements
• Checks and/or validates possible encroachment problem on the property and on its adjacent lots and highlights all related findings in the appraisal report
• Determines the market value of land, motor vehicle and condominium units through inquiries and surveys from other banks, real estate brokers, listings and independent appraisers.

Description:
• Leads the delivery of credit and collections services to the concerned business units and partners; ensures that all process, transactions, targets and decisions adhere to established Bank policies and that required turnaround times (TAT) are met.
• Creates and implements relevant process improvements, systems enhancements, strategies and plans for the Credit Operations Group
• Reviews, analyzes reports and proposals for consumer and commercial and provides appropriate recommendations and/or credit decisions within approved credit authority/limits, as applicable.
• Supervises and trains assistants and officers

Description:
• Performs collections and repossession related activities; ensures that all processes, transactions, targets, and decisions adhere to established Bank policies and that required turn around time (TAT) are met.
• Conducts field visits, skip tracing, collections of assigned accounts or retrieval of collateral vehicle via Extra-Judicial Repossession or implementation of Writ of Replevin within the required turnaround time; Submits photos of these activities to aid future collection efforts.
• Coordinates with sheriffs or court for the issuance of writ, LTO, HPG and other government agencies to facilitate recovery of vehicles.
• Handles internal and external client's queries and requests such as preparation of Statement of Account, Payment History and/or clearance and other administrative tasks.

Description:
• Performs remedial management activities, such as ROPA portfolio management, foreclosure and consolidation
activities and processes such as but not limited to on-time payment of foreclosure transactions and expenses,
CGT, DST, Association dues, RET and other related dues and taxes
• Follow-up status of transactions with government agencies and other private institutions related to foreclosure
and consolidation process via calls, e-mails and personal visit as needed.
• Prepares, file and pursue the appropriate pleadings needed to foreclose the account and resolve other loan
related cases.
• Prepares /processes request for payments of Remedial and Legal related transactions and expenses.

Description:
• Provides credit and collections services to the concerned business units and partners; ensures that all processes, transactions, targets, and decisions adhere to established Bank policies and that required turnaround times (TAT) are met.
• Conducts credit verification and manages external agencies using the applicable Bank systems, while adhering to the approved guidelines and agreed Service Level Agreement (SLA).
• Updates adverse records in BAP, CMAP and ICDB; maintains and enhances Bank systems, such MIS Dashboard, ICDB, etc.
• Prepares, reviews, and analyzes credit reports and proposals for commercial loan applications and other credit requests, including CIR and accreditation reports.