NATCCO Consultancy 1

Account Officer:Task Inventory Checklist

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Tasks

/
or

X
N/A

or

Description/Process
Involved

Loan Portfolio Planning

Entertaining Loan Queries

Accepting Loan Application

Pre-Assessment of Loan
Application

Credit Investigation

Collateral Appraisal

Credit Analysis

Loan Packaging

Loan Presentation

1
0

Loan Approval

1
1

Pre-Release Loan
Documentation

1
2

Loan Release

Loan Release, Loan

Portfolio & Collection
Projection on Accounts
Discussion on Loan
Purpose, General Terms
and Conditions, Loan
Application and
Requirements
Receiving Loan
Application &
Requirements
Checking of
Requirements and Loan
Application Info
Interviewing/Confirmati
on of information from
the borrower
Verifying and obtaining
information regarding
loan application
(e.g.Neighborhood,Busi
ness, Employment
checking)
Obtaining and Verifying
Legal Ownership,
Acceptability and value
of the Collateral
Analyzing all
information as obtained
and verified
Cashflow and Financial
Analysis
Fitting terms and
conditions of loan in
consideration to credit
risks
Presentation of loan
recommendation to
approving authorities
Loan amount, terms
and condition are
approved within
authority limits
Promissory Notes, Loan
Disclosure Statement,
Real Estate Mortgage,
Amortization Schedule
are prepared
Debriefing of the Loan
Obligation

Remarks

NATCCO Consultancy 2
Account Officer:Task Inventory Checklist

1
3

Document Safekeeping

1
4
1
5

Generating Collection
Schedule
Collection

1
6
1
7

Account Monitoring( Non

Delinquent)
Maintaining Business Relation

1
8

Facilitating Renewals and

Termination

1
9

Account Monitoring
(Delinquent)

2
0
2
1
2
2
2
3

Sending Demand Letters

Loan Reworkouts

Execution of Dacion En
Pago/Foreclosure
Legal Collection Efforts

2
4

Write-Off

2
5
2
6

Post-Write-Off Collection

Loan Product Design

Check Releasing
Filing and
Custodianship of
Account Folders
Dues to monitor on the
day of collection
Field Cash Collection,
Sending of Billing, OTC,
PDC deposit

Loan Utilization Check

Borrower Status Report
Needs Assessment and
Advising
Perform Client Call
Cross/Up Sell Financial
Products
Loan Application and
Requirement
Advising/Receiving
Planning & Monitoring
of proper actions
necessary for
delinquent accounts
Delivery of Demand
Letters and Negotiation
Restructuring
Recommendation
Property in exchange of
Debt collection
Filing of Case in Small
Claims and Other
Courts
Dismemberment and
collecting dues via
Share Capital
Collection Efforts after
Write-off
Product Feasibility
Study, Product Terms
and Condition
Formulation,

1.) How can we help you with AO function concern? what are the challenges you are
presently encountering in your AOs?

NATCCO Consultancy 3
Account Officer:Task Inventory Checklist

2.) What are your recommendations to AO function? Please justify.