CBS - CREDIT SPECIALIST

Metrobank; Makati; On-site; PHP 300,000 - 540,000; Full time

Job summary

Metrobank is seeking a Credit Specialist to support the Merchant Acquiring Unit within Credit Acquisition. You will handle requests for additional outlets, MID and maintenance, perform pre-screening, evaluation, and verification of merchant applications, and provide back‑office support with strong record management.

The role involves monitoring merchant agreements, performing verification checks, and assisting with annual reviews and renewal decisions to manage risk and ensure compliance.

Qualifications

• Bachelor’s degree in business-related field.
• At least 1 year of work experience in banking, credit card, or merchant acquiring.
• Experience dealing with internal and external customers is an advantage.
• Proficient in MS Word and MS Excel; knowledgeable in MCC’s Host System, NFC Module, and CIF.

Responsibilities

• Process additional outlet, MID, and maintenance requests with prescreening and evaluation.
• Perform merchant verification calls and assign Merchant IDs (MID) and Terminal IDs (TID).
• Upload Merchant Data Sheet for approved MIDs/outlets and handle disaffiliation requests.
• Ensure compliance with merchant policies and manage risk through reviews of merchant data.
• Assist in pre-verification tasks and annual performance reviews of accredited merchants.

Skills

Customer service

Communication

Education

Bachelor’s degree in Business

Tools

MS Word

MS Excel

MCC Host System

NFC Module

CIF

Office software

Job description

Here at Metrobank, we don't simply hire employees—we hone future leaders. We provide opportunities that enhance your skills and unlock your talents, helping you evolve into a well-rounded individual. We supply you with all the pieces you need to do your best work, unleashing your full potential to help you secure your future and lead a fulfilling career. And with Metrobank's strong heart for the community, you have the chance to give back and make worthwhile contributions to our nation's economic and social development. With Metrobank, a meaningful life is within your reach!

Position Title: Credit Specialist

Job Summary

The Credit Specialist position is responsible in processing additional requests for accredited merchants such as additional outlet, additional MID (Merchant ID) and various maintenance requests which include functions such as pre-screening, evaluation and verification of Merchant applications. The jobholder is also responsible in ensuring effective record management and back office support for the Merchant Acquiring Unit of Credit Acquisition Department, including the monitoring and handling of various merchant agreements.

Specific Duties & Responsibilities

Achieve the key performance indicators of the unit, e.g., Service Indicator, accuracy, efficiency, etc.

ADDITIONAL REQUEST FOR EXISTING MERCHANTS

• Processes additional outlet, additional MID and maintenance requests. This includes prescreening and evaluation within the standard turn-around-time.
• Performs callout related to merchant verification.
• Assign Merchant IDs (MID) and Terminal IDs (TID).
• Processes uploading of Merchant Data Sheet for approved MIDs &/or outlets.
• Processes disaffiliation requests (relationship, outlet or MID) that will require approval of Acquiring Head or Acquiring Sales Head.
• Requests deactivation &/or reactivation of TIDs to TPMP Unit (Operations).li>
• Mitigates risk exposure by recognizing compliance of merchant’s non-terminal sharing policy.
• Processes additional outlet or MID with Manual Key-In (MKE) function that will require approval up to President.
• Processes additional outlet or MID with Prepayment Exposure (PPE) and evaluates Merchant Credit Limit that will require approval up to President.
• Reviews merchant folders received from the Merchant Acquiring Team by performing the following pre-verification tasks:
  1. Negative checking against internal databases such as Negative File Consolidation (NFC), Credit Internal File (CIF), Politically Exposed Person (PEP), Loan Origination System; and
  2. Online inquiry with Mastercard and Visa through the MasterCard MATCH (Member Alert to Control High Risk) and Visa Merchant Trace System (VMTS), respectively.
• May assist Decisions Officers in prescreening documents of new merchant applications.
• Performs Annual Review and evaluates performance of accredited merchants.
• Recommends renewal or termination of the relationship, obtaining security or collateral, reduction of merchant, putting merchant in probationary and/or delaying of payment depending on the outcome of the evaluation.
• Validates Risk Level of the merchant being reviewed.
• Reviews fraud-to-sales ratio, chargeback, and sales volume of the merchant being reviewed.

ADMINISTRATIVE AND PERFORMANCE OF CONTROL FUNCTIONS

Qualifications:

• Bachelor’s degree holder; preferably graduate of a business course.
• At least 1 year of work experience in a bank, credit card, or merchant acquiring environment.
• Experience in dealing with internal and external customers who have varying requirements is an advantage.
• Proficient in the following Microsoft applications: MS Word and MS Excel; knowledgeable in MCC’s Host System, NFC Module, and CIF is an advantage.
• Office and file management experience is an advantage.

Other Details:

Rank and File

Consumer Business Sector / Credit Operations Group / Credit Acquisition Division