Job Description

About Security Bank

We are the Philippines’ largest independent bank, having won countless awards over the years, including Philippines’ Top Employer, named by Statistica, and Best Bank for Diversity and Inclusion, awarded by Asiamoney.

We’re changing how people bank. From the moment customers enter our branches to their experience online, we make them feel valued and empowered.

Now, with more than 300+ branches nationwide, BetterBanking has become the gold standard in improving the banking lives of millions of Filipinos. But we’re far from done.

In our constant pursuit of excellence and improvement, we create teams that support our business and each other.

The Role

As a Document/ Collateral Custodian Officer , you will be responsible for reviewing and monitors the submission and compliance of all loan documents and collateral. Facilitates all processes included in securing mortgage documents such as Notarization, E-DST Affixing, Promissory Note & Real Estate Mortgage Registration, and Encumbrance/Annotation. Custodianship, monitoring of loan documents and collateral inventory, and releasing of securities/collateral documents related to Consumer Lending transactions. Accommodates all internal and external clients’/requests, as well as customer complaints, related to Consumer Lending transactions.

How you’ll contribute

• Responds request from Customer Relationship Manager (CRM) in order to deliver commitment to internal and external clients
• Coordinates with respective Business Units / Developers for compliance of collaterals under DOU, Doc Deficiency/ies, and PDCs, for proper recording and management.
• Monitors pending accounts for registration/encumbrance forwarded to External Service Provider/Hubs and pending accounts for registration with doc deficiency/ies for compliance to proceed with mortgage registration/encumbrance.
• Ensures correct charging to cost centers for payments of hub utilities and notarial fees
• Organizes loan and collateral documents in respective filing cabinets and fireproof vault to ensure proper safekeeping of all Securities
• Monitors document deficiency/ies, collateral/documents under DOU, and updates Collateral Management System (GDS).
• Scanning and uploading of all documents necessary for Welcome Kit for availability and ease of access to other units
• Consistently conducts monitoring and inventory of all Securities, Loan Documents, and Credit Folders to reconcile portfolio versus actual inventory
• Processes notarization and e-DST affixing to facilitate mortgage registration/encumbrance to secure the loan borrowed by the client
• Checks and validates collateral and/or loan documents submitted to RHMU
• Supervises Loan Proceeds, DI, and SI for Auto Loans, and Proceeds for Personal Loans
• Reviews consistency of all documents in consideration of Registration, Encumbrance, Annotation, and Litigation, to minimize or eliminate risks.
• Administers warehousing and extraction of securities and loan documents by properly recording the ins and outs of all documents.
• Validates submitted document deficiency/ies, collateral, documents submitted upon Personal Loan proceeds releasing, insurance policies/endorsement/certifications by applying fraud detection and signature verification guideline
• Ensures compliance as to BSP and bank standards to protect both the client and Bank from fraud.

What we’re looking for

• Graduate of Bachelor’s Degree in Business Studies/Administration/Management, Commerce, Finance/Accountancy/Banking or any field of study
• Must have at least 1-4 years related experience.
• Knowledge of the Consumer Lending process and Documentation
• Result-oriented and team player
• Able to communicate effectively with all levels of the organization and external parties