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 Sales Officer – SB Rental you will be responsible for soliciting and growing  operating lease portfolio based on assigned quota/target.  S(he) shall support the Sales Head towards achieving  sales business plan.

How you’ll contribute

• Prepares Lease Approval write-up and business information by securing complete pre-approval documents from lease applicants to finalize recommendation for lease line approval.
• Prepares exception requests for approval and other credit proposals by presenting memo and presenting mitigants and other credit justification to accommodate new business and allow booking.
• Prepares call reports for meetings with clients  such as visits with existing and prospective clients, lunch meetings and meetings held in SBRC office to document dealings with client.
• Responds and addresses inquiries and other requests from existing and prospective clients thru email, phone call or client call in a timely manner.
• Attends  to queries from Financial Analyst during financial review   by communicating required information to client in order to firm up financial analysis report.

What we’re looking for

• With at least 3 years of experience in Sales handling SME, Commercial, and/or Corporate Accounts
• Good knowledge of credit, credit structuring, credit policies, transactional procedures, and product features. Knowledge of regulatory aspects of lending and banking, and legal documentation.
• Good interpersonal, marketing, and analytical skills. Needs analysis and solutions matching skills.
• Outgoing and has a passion for customer service and collaboration with shareholders, product, and operational partners. Has the capacity to intelligently interact with senior leaders, whether internal or external. Aggressive in looking for opportunities to expand client relationships.
• Prepares  availment sheets for review of Sales Head and Operations Head completing data required  based on agreed terms and asset details of the leased asset to proceed  with the preparation of the lease contracts.
• Cultivates account leads generated thru various SBC group relationships to secure client referrals and business support.
• Conducts credit presentation on lease applicants with comprehensive reports to approving committees (SOLCOM, Crecom, BOD) based on credit analysis report and evaluation to allow approvers to evaluate credit worthiness of client and whether to approve application or not.
• Ensures completeness  of credit folder  by securing all required documents   for credit evaluation and comply to KYC requirements.
• Performs file back up procedure for relevant documents  using back storage application or hardrive  to secure data at all times.

Qualifications:

• Must have at least 3 -4 years from Banking, Credit Card Companies, Leasing/Financing Institutions
• Familiar with leasing / rental operations in the Philippines; knowledge in financial math and accounting; Knowledge in financial analysis and credit review
• Marketing experience; good communication and negotiation skills
• Self-starter and driven; keen to details; able to communicate effectively with various clients of different background and nationalities; able to establish rapport with internal and external parties