📌 Core Information
🔹 Job Title: Account Officer - Bacolod
🔹 Company: Metrobank
🔹 Location: Bacolod Grande, Bacolod, Philippines
🔹 Job Type: On-site
🔹 Category: Banking
🔹 Date Posted: July 3, 2025
🔹 Experience Level: Junior Officer (2-3 years of experience)
🔹 Remote Status: On-site
🚀 Job Overview
Key aspects of this role include:
- Managing loan booking/release from approval to compliance
- Ensuring regulatory and credit policies compliance
- Liaising with clients, branches, and internal/external stakeholders
- Contributing to loan program enhancement and policy improvement
ASSUMPTION: This role requires strong organizational skills, attention to detail, and excellent communication skills to manage loan booking processes effectively.
📋 Key Responsibilities
✅ Drives the booking of approved loans
✅ Confirms approval terms and conditions with clients/branches
✅ Pre-screens loan and collateral documents for completeness and sufficiency
✅ Facilitates loan document signing and regular coordination with clients/branches
✅ Liaises with internal and external clients for document submission and process management
✅ Provides clients/branches with regular updates on loan booking status
✅ Tracks and monitors document deficiencies and follows up on submissions
✅ Handles pre-booking related inquiries, requests, and concerns
✅ Contributes to loan program enhancement and policy improvement
✅ Performs other related functions as assigned
ASSUMPTION: The role involves a high degree of multitasking, requiring strong time management and prioritization skills.
🎯 Required Qualifications
Education: Bachelor's degree in Business, Finance, or a related field
Experience: 2-3 years of experience in banking, specifically handling auto and home loan products
Required Skills:
- Proven experience in loan management
- Excellent communication and interpersonal skills
- Strong organizational skills and attention to detail
- Ability to work independently and in a team environment
- Proficiency in Microsoft Office Suite
Preferred Skills:
- Experience with loan origination systems
- Fluency in local languages (e.g., Filipino, Ilocano, Cebuano)
ASSUMPTION: Familiarity with local banking regulations and industry practices is beneficial for this role.
💰 Compensation & Benefits
Salary Range: PHP 30,000 - 40,000 per month (based on industry standards for a Junior Officer role in Bacolod)
Benefits:
- Health insurance
- Retirement plan
- Employee discounts on banking services
- Training and development opportunities
Working Hours: Monday to Friday, 8:00 AM to 5:00 PM (with a 1-hour lunch break)
ASSUMPTION: The salary range is an estimate based on industry standards and may vary depending on the candidate's qualifications and experience.
📌 Applicant Insights
🔍 Company Context
Industry: Banking
Company Size: 10,001+ employees (Metrobank is one of the largest banks in the Philippines)
Founded: 1962
Company Description:
- Metrobank is the country’s premiere universal bank with the largest consolidated network of over 870 branches and over 1,900 automated teller machines nationwide, and 33 foreign branches, subsidiaries, and representative offices.
- A recognized leader in the country’s banking industry, Metrobank has become the trusted banking partner, staying true to its promise of keeping you in good hands.
- The driving force of Metrobank’s success is its people who are committed to product quality and service excellence; practice strong work ethics and good governance.
Company Specialties:
- Commercial Banking
- Consumer Lending
- Trade Products and Finance
- Investments Management
- Cash Management
- Treasury
- Personal Banking
- SME Banking
Company Website: https://www.metrobank.com.ph
ASSUMPTION: Working at Metrobank offers opportunities for career growth and exposure to various aspects of banking and finance.
📊 Role Analysis
Career Level: Junior Officer (Entry-level to mid-level)
Reporting Structure: Reports directly to the Loan Operations Manager
Work Arrangement: On-site, full-time
Growth Opportunities:
- Progression to senior officer or management roles within the loan operations department
- Cross-functional moves to other banking departments (e.g., retail banking, corporate banking)
- Training and development programs to enhance skills and knowledge
ASSUMPTION: This role provides a solid foundation for a career in banking, with opportunities for growth and development.
🌍 Location & Work Environment
Office Type: Corporate office
Office Location(s): Metrobank Plaza, Sen. Gil J. Puyat Avenue, Makati, Metro Manila 1200, PH
Geographic Context:
- Bacolod is a highly urbanized city in the Philippines, known for its vibrant culture and tourism industry
- The city offers a mix of urban and suburban living, with various amenities and attractions nearby
- Bacolod has a tropical climate, with temperatures ranging from 25°C to 32°C (77°F to 90°F) throughout the year
Work Schedule: Monday to Friday, 8:00 AM to 5:00 PM (with a 1-hour lunch break)
ASSUMPTION: The work environment is dynamic and fast-paced, with a focus on teamwork and collaboration.
💼 Interview & Application Insights
Typical Process:
- Online application submission
- Phone or video screening
- Face-to-face interview with the hiring manager
- Background check and offer extension
Key Assessment Areas:
- Loan management knowledge and skills
- Communication and interpersonal skills
- Problem-solving and decision-making abilities
- Cultural fit and alignment with Metrobank's core values
Application Tips:
- Highlight relevant banking experience and loan management skills
- Tailor your resume and cover letter to emphasize your fit for the role
- Prepare for behavioral and situational interview questions
- Research Metrobank's company culture and values to demonstrate your fit
ATS Keywords: Loan Management, Client Coordination, Document Verification, Regulatory Compliance, Policy Improvement, Communication, Problem Solving, Team Collaboration
ASSUMPTION: The application process may take several weeks, depending on the volume of applicants and the hiring team's availability.
🛠️ Tools & Technologies
- Microsoft Office Suite (Word, Excel, PowerPoint)
- Loan origination systems (e.g., Fiserv, FICO)
- Customer Relationship Management (CRM) software
- Enterprise Resource Planning (ERP) systems
ASSUMPTION: Familiarity with relevant software and tools is beneficial but not always required, as training may be provided.
👔 Cultural Fit Considerations
Company Values:
- Customer Delight
- Teamwork
- Passion for Results
- Integrity
Work Style:
- Collaborative and team-oriented
- Results-driven and focused on continuous improvement
- Adaptable and responsive to change
Self-Assessment Questions:
- Do you have a strong commitment to customer service and satisfaction?
- Are you comfortable working in a team environment and collaborating with others?
- Do you have a passion for achieving results and driving success?
- Do you uphold high ethical standards and act with integrity in all situations?
ASSUMPTION: Candidates who demonstrate a strong fit with Metrobank's core values and work style are more likely to succeed in the role and the organization.
⚠️ Potential Challenges
- Managing multiple loan bookings simultaneously, requiring strong time management skills
- Dealing with difficult clients or complex loan scenarios, demanding excellent problem-solving skills
- Adapting to changes in regulations, policies, or processes, requiring flexibility and adaptability
- Working in a fast-paced environment with tight deadlines, demanding strong organizational skills
ASSUMPTION: These challenges can be overcome with strong skills, experience, and a commitment to continuous learning and improvement.
📈 Similar Roles Comparison
- Compared to a Loan Officer role, the Account Officer role has a more focused responsibility on loan booking and less involvement in loan origination and underwriting
- In the banking industry, the Account Officer role is typically found in loan operations or servicing departments, while Loan Officer roles are found in retail banking or lending departments
- Career progression from an Account Officer role may include moving to a senior officer or management position within loan operations, or transitioning to a related role in another banking department
ASSUMPTION: Understanding the differences between related roles can help candidates identify the best fit for their career goals and aspirations.
📝 Sample Projects
- Managing the loan booking process for a large corporate client with multiple loan facilities
- Implementing a new loan booking system and training internal stakeholders on its use
- Conducting a process improvement initiative to streamline loan booking and reduce turnaround times
ASSUMPTION: These sample projects demonstrate the range of responsibilities and initiatives that an Account Officer may be involved in throughout their career.
❓ Key Questions to Ask During Interview
- What are the key priorities for this role in the first 90 days?
- How does this role contribute to the overall success of the loan operations department?
- What opportunities are there for professional development and growth within the department or the organization?
- How does Metrobank support work-life balance for its employees?
- What are the most challenging aspects of this role, and how can I best prepare for them?
ASSUMPTION: Asking insightful questions demonstrates a candidate's interest in the role and their commitment to success.
📌 Next Steps for Applicants
To apply for this position:
- Submit your application through this link
- Tailor your resume and cover letter to highlight your relevant banking experience and loan management skills
- Prepare for behavioral and situational interview questions by reflecting on your past experiences and accomplishments
- Research Metrobank's company culture and values to demonstrate your fit
- Follow up on your application status one week after submission
⚠️ This job description contains AI-assisted information. Details should be verified directly with the employer before making decisions.
