Assistant Manager – Credit Risk Management (Hybrid Angeles)

Cloudstaff Philippines Inc.; Philippines; On-site; PHP 900,000 - 1,800,000; Full time

Benefits offered by this job

Health insurance

Life insurance

Career advancement opportunities

Company-provided equipment

Job summary

Cloudstaff Philippines Inc. is seeking an experienced banking risk advisor to lead end-to-end client engagements and mentor junior staff. You will manage teams of associates, review commercial loans for policy compliance, and assess credit risks within portfolios.

Successful candidates will coordinate with onshore (US) teams, ensure regulatory adherence, and drive continuous improvement across engagements in a dynamic financial services environment.

Qualifications

• Master’s or Bachelor’s degree in accounting or finance (M. Com/B. Com/MBA). Banking focus/audit would be a plus.
• 6–8 years of banking experience with lending, credit analysis and loan review.
• Strong knowledge of US banking rules and regulations preferred.
• Solid understanding of business banking, commercial loan products, and credit policies.

Responsibilities

• Lead client engagements end-to-end, coordinating outputs across teams and mentoring junior talent.
• Meet utilization and time targets (1,560 hours, 68% of time).
• Serve as primary client contact and maintain regular communication with onshore team or client executive.
• Plan and allocate tasks for teams of 3+ associates to meet delivery timelines.
• Review commercial loans to ensure compliance with policies and regulatory requirements.
• Assess credit risks in loans and opine on risk grades.
• Review origination/renewal documentation and ensure policy compliance.
• Document observations and deviations for discussion with client; ensure adherence to US banking laws.
• Lead calls with US onshore teams to discuss progress, quality, and productivity.
• Champion continuous improvement and support risk advisory services for financial clients.

Skills

Credit analysis

Lending

Regulatory compliance

Project management

Stakeholder management

People development

Communication

Overseas collaboration

Education

Master’s or Bachelor’s degree in accounting or finance

Job description

Job Description

Roles and Responsibilities

• Lead client engagements end-to-end integrating outputs across teams, managing
  expectations and mentoring junior talent to uplift execution quality
• Meet quantitative expectations of charge time and utilization (1,560 hours for a total of 68%
  of time worked)
• Serve as primary contact for client engagements assigned and maintain regular communication with the onshore team and/or client/relationship executive for streamlined client experience
• Effectively plan, allocate tasks and manage work teams of 3 or more associates on engagements to meet client deliverable timeframes with delivery of high-quality work product
• Review a sample of commercial loans of financial institutions to ensure that acceptable credit standards are maintained and that loans conform to established company policy and any applicable regulatory requirements.
• Analysis of the credit risks within individual commercial loans and commercial mortgages and opine on the appropriateness of risk grades for the loans reviewed.
• Review documentation relating to origination and renewals, collateral, insurance, flood certification(s) etc. Document compliance with loan policies, lending procedures and applicable regulations with the application.
• Document observations, deviations that need to be discussed with the client.
• Conduct activities consistent with established banking policies, procedures and systems, Bank Secrecy Act and all applicable State and Federal laws and regulations in the United States of America.
• Manage performance and build a diverse, high-trust team culture. Provide guidance, coaching and actionable feedback to junior team members and serve as the first point of contact for their questions.
• Effectively lead calls with the onshore (US) team to discuss team progress, quality and productivity.
• Champion continuous improvement and work with leadership to implement ideas.
• Support the team and manager in providing other risk advisory services to financial services and other industry clients as required.

Qualifications and Requirements

• Master’s or Bachelor’s degree in accounting or finance (M. Com/B. Com/MBA). Major inBanking would be a plus.
• 6- 8 years of experience in the banking industry with a focus in lending, credit analysis andloan review.
• Knowledge and experience in US banking industry with good knowledge of applicable rulesand regulations is strongly preferred.
• Good knowledge and understanding of business banking and commercial loan productsand lending credit policies/guidelines.
• Working knowledge of commercial lending, agricultural lending, real estate developmentand construction lending, and the required collateral documents for each type.
• Experience in regulatory compliance for US based financial institutions is preferred.
• Experience managing multiple projects from start to end, demonstrating ownership ofprojects
• Experience in people development, stakeholder management, escalation management,and ability to communicate effectively with other leaders, both internally and externally.
• Prior experience of working with overseas team is essential.

Perks and Benefits

• Comprehensive health and life insurance on your 16th day of employment, covering 1 free dependent on the 16th day of employment
• Superb and exciting Mid-Year Parties - with items to give away and cash prizes!
• Endless opportunities for career advancement
• Exclusive ATM inside the office for employee's convenience
• We set you up for success with a company-provided PC/Laptop and fiber internet connection
• Look forward to weekly office perks for work from office staff - Free Coffee, Meals and Beer Fridays!
• Top notch workplace with first class VIP lounge and game rooms
• Child friendly spaces to cater to the needs of employees with children, enhancing work-life balance
• Participate and join our CS Social Clubs and Special Interest Groups to connect with colleagues
• International career growth and connections
• Unlimited cash incentives for hired referrals
• Mental Wellness Employee Assistance program through Lifeworks
• In-house psychiatrist available to support employees' well-being
• Become part of the Employee Share Units program
• Cloudstaff Dream Points - To be used for bidding useful items like appliances, kitchenettes etc