A commitment to help

GROUP 4 ARVIN JASPER TORRES DARYL NICO MENDOZA JOBELLE ANN REYES KEO AKEMI TIONG MARY GRACE SAAVEDRA MELANIE DOMINGO ROCILLE MAE SADICON

becoming, in the near future, a transnational and publicly listed provider of fully automated, world-class consumer lending products and services.

To meet the financial needs and goals of its clients while maintaining long term financial stability and provide the highest level of customer service satisfaction by offering a quality financial services.

ORGANIZATIONAL CHART
CREDIT AND LOANS SERVICES DEPARTMENT

KEO AKEMI TIONG Collection Specialist

ARVIN TORRES Credit Head

JOBELLE ANN REYES Credit Verifier

DARYL NICO MENDOZA Credit Consultant MARY GRACE SAAVEDRA Collection Officers MELANIE DOMINGO Credit Investigator

Bill Collector

Promoter

ROCILLE MAE SAAVEDRA Credit Interviewer

JOB DESCRIPTION AND QUALIFICATIONS:

CREDIT HEAD
supervises & manages the operations of the whole credit department. 'hands on' responsibility supervising a credit department controls a portion of the ledger maintains accurate team measurement and performance statistic ensures the credit department interacts well with customers and departmental colleagues QUALIFICATIONS: Graduate of any business course, but preferably an accounting major or a CPA Possesses intermediate knowledge on loans documentation, loans general bookkeeping Has basic knowledge on credit policy & operations With 3 yrs. work experience in commercial banking/loans operations With ability to lead & manage a diverse group of officers & staff With sound decision making & problem resolution skills With strategic planning & implement skills With effective communication skills

CREDIT CONSULTANTsupervises and manages the work of credit promoter. Working directly under the department head. works with a minimum of direction on collections for an important ledger, possibly key accounts anticipates developments, and identifies accounts that will require special attention handles disputed accounts and negotiates to bring payment into line with terms undertakes complex reconciliations, and compiles documentation for legal action maintains accurate individual measurement and performance statistics obtains sufficient information to assess the creditworthiness of new and existing customers works within guidelines and reports to the Credit Manager or Financial Controller

QUALIFICATIONS:
able to meet deadlines, work efficiently under pressure and communicate well with all levels of staff.

Bachelors degree (any 4 year college Assertive, adaptive & goal oriented Age requirement (30-45 yrs. old)

course)

PROMOTERSgives information about the company, offers the companys products and services. Responsible of promoting the companys best offers. QUALIFICATIONS: Bachelors degree (any 4 year college course) Assertive, adaptive & goal oriented Previous work experience as front liner Age requirement (22-35 yrs old) Goal-oriented With good communications skills

CREDIT INTERVIEWERone who asks questions to debtor about the information he has given. Encoding the files of the clients

QUALIFICATIONS:
Bachelors degree (psychology graduate) Good in communication skills Previous work experience as front liner Attentive to details 1 yr. experience in HR department

CREDIT INVESTIGATOR investigates the personal background of the client. responsible on field work QUALIFICATIONS:
Bachelors degree (any 4 yr. college course) At least 1 yr. experience as an investigator Must be 28-40 yrs old Hardworking Willing to work shifting

CREDIT INVESTIGATION REQUIREMENTS Customer Information Sheet (CIS) Credit Investigation Authorization For employed individuals: Notarized certificate of employment and salary Photocopy of payslip for the last 6 mos. Consularized Employment contract (for OFWs/OCWs) Special Power of Attorney (if applicable) For self-employed individuals Photocopy of business registration Audited financial statements for past 2 yrs. Photocopy of ITR for past 2 yrs. Bank statements for the last 12 mos.

CREDIT INVESTIGATION FORM The Office of e-borrow.com Financial Company has my permission to obtain information on my personal credit history. _______________________________ Legal Name of individual/Clinic/business name _______________________________ Name (Printed or typed) _______________________________ Spouse's Name (Printed or typed) _______________________________ Social Security Number _______________________________ Spouse's Social Security Number _______________________________ _______________________________ Current Address _______________________________ _______________________________ Previous Address _______________________________ Date of Birth _______________________________ Spouse's Date of Birth _______________________________ Signature Date _______________________________ Spouse's Signature Date

CREDIT VERIFIERAnalyzes whether to approve or not to approve the request of the debtor. Analyze customer financial condition and authorize customer credit lines Minimize bad debt risk, maximize accounts receivable collections Assist with order management Reconcile customer statements/billings, Communicate credit department and company payment policies Participate in process improvement projects, and support other management directives as prescribed. QUALIFICATIONS: Bachelors degree in accountancy Highly analytical Good in communication skills

BILL COLLECTORS
collect money from the debtor.
responsible for telephone collections understanding of Call Centre technology may work in shared services strictly on telephone collections or in a call centre in both cases reporting to a Team Leader Conduct collection calls and customer visits to collect Accounts Receivables

Maintain electronic collect notes for each customer account.

y

QUALIFICATIONS:
y Educational attainment (college level) Public relation Trustworthy Industrious Good in communication skills Sourcing strategies & techniques Soft-spoken Demonstrated Effective Customer Service Skills.

COLLECTION OFFICERS accepting the payments from the collectors/ debtors receives incoming cash/checks and processes cash onto the system balances total checks and cash payments to cash book monitors overdue payments by use of a spreadsheet ledger and bank reconciliations, investigates misallocated cash and moneys gone missing liaises with individual credit controllers in respect of cash/query allocations works to strict deadlines QUALIFICATIONS: Age requirement (30-45 yrs. old) Trustworthy Bachelors degree (in any 4 yr college course) Good in mathematics skills Good in oral and in written communication skills

COLLECTION SPECIALIST
manages the files of the clients and all the transactions handles a ledger as part of a credit team responsible for own cash allocation as outlined above maintains accurate and up to date customer details and account records works with a minimum of supervision on collection of overdue accounts has regular customer contact by phone, fax and email uses initiative and imagination to achieve targeted results, while promoting customer goodwill makes adjustments, handles queries and resolves problems within company guidelines and policy yworks under direction of and reports to a credit manager

QUALIFICATIONS: Age requirement (25-45 yrs. old) Trustworthy Bachelors degree (in any 4 yr college course) Good in mathematics skills Good in oral and in written communication skills

SERVICES OFFERED:
1.SALARY LOAN 2.DOCTORS/DENTIST LOAN 3.SEAMANS LOAN 4.TEACHERSLOAN 5.KUMIKITANG KABUHAYAN LOAN

PRODUCTS AND SERVICES: 1.SALARY LOAN The fastest easiest way to get the money you need for unexpected expenses, important purchases or lifes little emergencies.
AMOUNT INTEREST RATE INTEREST MONTHLY PAYMENT DUE DATE

P5,000 P6,000 P7,000 P8,000 P9,000 P10,000

10% 10% 10% 10% 10% 10%

P500 P600 P700 P800 P900 P1000

P1,100 P1,320 P1,540 P1,760 P,1980 P2,200

5 MONTHS 5 MONTHS 5 MONTHS 5 MONTHS 5 MONTHS 5 MONTHS

QUALIFICATIONS OF THE DEBTOR: Have a minimum income of P10,000 monthly Have a stable job No bad record in other financing institution

REQUIREMENTS: Contract of employment Atleast 1 month as a contractual employee 2 valid id Electricity and water bill Credit cards if any Police and NBI clearance

2.DOCTORS/DENTISTS LOAN ready cash for the purchase of medical equipment or supplies and improvement of clinic.
AMOUNT INTEREST RATE 12% 12% 12% 12% 12% 12% 12% 12% 12% INTEREST MONTHLY PAYMENT DUE DATE 4 MONTHS 4 MONTHS 5 MONTHS 6 MONTHS 10 MONTHS 12 MONTHS 12 MONTHS 15 MONTHS 2 YEARS

P20,000 P25,000 P50,000 P75,000 P100,000 P150,000 P200,000 P250,000 P500,000

P2,400 P3,000 P6,000 P9,000 P12,000 P18,000 P24,000 P30,000 P60,000

P5,600 P7,000 P11,200 P14,000 P11,200 P14,000 P19,000 P19,000 P24,000

QUALIFICATIONS OF THE DEBTOR: Business must be established for 2 years Not engage in any loan Minimum income of 100,000 per month Must have collateral - the worth depend on the amount borrowed (building) REQUIREMENTS: 2 valid id Electricity bill ITR Income statement License of the business

3.SEAMANS LOAN dont leave home without leaving cash! Before boarding, ensure that your loved ones are well provided for, take care of your family even if youre faraway.
AMOUNT INTEREST RATE 12% 12% 12% 12% 12% 12% 12% 12% 12% INTEREST MONTHLY PAYMENT DUE DATE 4 MONTHS 4 MONTHS 5MONTHS 6MONTHS 7 MONTHS 7MONTHS 7 MONTHS 8 MONTHS 8 MONTHS

P5,000 P10,000 P15,000 P20,000 P25,000 P30,000 P35,000 P40,000 P50,000

P600 P1,200 P1,800 P2,400 P3,000 P3,600 P4,200 P4,800 P6,000

P1,400 P2,800 P3,360 P3,800 P4,000 P4,800 P5,600 P5.600 P7,000

QUALIFICATIONS OF THE DEBTOR: Have a minimum income of P80, 000 monthly. Not engage in any loan Have a stable job At least 23 years old

REQUIREMENTS: 2 valid IDs Police and NBI clearance Pay slip / income statement Certificate of employment (present) Photocopy of seamans book Photocopy of Employment Certificate

4.TEACHERS LOAN applicable for teachers.

AMOUNT INTEREST RATE 12% 12% 12% 12% 12% 12% 12% 12% 12% INTEREST MONTHLY PAYMENT DUE DATE 4 MONTHS 4 MONTHS 5MONTHS 6MONTHS 7 MONTHS 7MONTHS 7 MONTHS 8 MONTHS 8 MONTHS

P5,000 P6,000 P7,000 P8,000 P10,000 P11,000 P14,000 P15,000 P20,000

P600 P720 P840 P960 P1,200 P1,320 P1,680 P1,800 P2,400

P1,400 P1,680 P1,568 P1,500 P1,600 P1,760 P2,240 P2,100 P2,800

QUALIFICATIONS OF THE DEBTOR: Have a minimum income of P30, 000 monthly. Not engage in any loan Have a stable job At least 23 years old

REQUIREMENTS: 2 valid IDs Police and NBI clearance Pay slip / income statement Certificate of employment(present)

5.KUMIKITANG KABUHAYAN LOAN - applicable for those individuals who wants to put up a sari-sari store or to start up small business.
AMOUNT INTEREST RATE 12% 12% 12% 12% 12% 12% 12% 12% 12% INTEREST MONTHLY PAYMENT DUE DATE 4 MONTHS 4 MONTHS 5MONTHS 6MONTHS 7 MONTHS 7MONTHS 7 MONTHS 8 MONTHS 8 MONTHS

P5,000 P6,000 P7,000 P8,000 P10,000 P11,000 P14,000 P15,000 P20,000

P600 P 720 P840 P960 P1,200 P1,320 P1,680 P1,800 P2,400

P1,400 P1,680 P1,568 P1,500 P1,600 P1,760 P2,240 P2,100 P2,800

QUALIFICATIONS OF THE DEBTOR: Have a minimum income of P5,000 monthly. Not engage in any loan

REQUIREMENTS: 2 valid IDs Police and NBI clearance Business permits

PROCEDURES IN GRANTING LOAN: 1. Fill up an application form & comply all the requirements. 2. Must pass the conducted interview given by the credit interviewer. 3. After 2 days, the debtor will know if he/she is approved or not. (depending of the loan he/she avail. 4. If the loan is approved, within 24 hours the loan is ready for *salary/personal loan: 1 day *Doctor s loan: 2-3 days *:Seaman s loan 2-3 days *Kumikitang kabuhayan loan: 2- 3 days

RULES & POLICY 1. Must be at legal age to borrow money. 2. Must be completed all the requirements. 3. No transfer of loan to other person. 4. Cannot change the type of loan he/she applied for. 5. Cannot get 2 or more loans at a time.

GROUNDS OR PUNISHMENT Once the debtor already gets the loan, he will now pay is debt according to the agreed payment between the creditor & debtor. The debtor must advice the company if he/she cannot pay on that period stipulated. If the debtor fails to pay the amount in 2 consecutive payments, additional interest will apply. If the debtor fails again to pay the amount required, we will be forced to give a demand letter & he may be a blacklisted on all the lending company he wants to apply. If they did not pay after 5 months, we will be forced to get the collateral representing the debtor s debt. If the debtor intentionally would runaway what is due to him/her his /her files will passed to legal department

MANNER OF PAYMENT 1. The creditor may give their payment directly to the company. 2. The creditor may deposit the payment to the Bank account of the company. 3. The creditor may pay directly to the collector. 4. In kumikitang kabuhayan loan the debtor may pay his/her loan daily or weekly.

A commitment to help