Corporate Credit Officer

EastWest Bank; Cebu City; On-site; PHP 420,000 - 640,000; Full time

Job summary

EastWest Banking Corporation in Cebu seeks a Credit Analyst and Review Officer (CARE) to assess creditworthiness, conduct financial and risk analyses, and support lending decisions by preparing Credit Offering Memos (COMs).

You will collaborate with marketing teams to evaluate transactions, recommend suitable credit structures, and ensure accurate, timely processing of credit approvals. This on-site role is ideal for experienced professionals ready to contribute to a major banking group.

Qualifications

• Bachelor's degree in Business, Management, Marketing, Commerce, Economics, Finance, Accounting, or Banking.
• At least 2 years of experience as an Account Officer or Credit Officer in commercial or corporate lending within a similar-sized or larger bank.
• Strong knowledge of credit evaluation, banking products, financial analysis, risk management, and industry research.
• Excellent analytical and problem-solving skills with keen business acumen.
• Strong written and verbal communication skills.
• Collaborative team player with solid stakeholder management skills.
• Organized, detail-oriented, and able to work effectively under pressure.

Responsibilities

• Conduct comprehensive financial and credit analysis of prospective and existing clients.
• Prepare and present Credit Offering Memos (COMs) to support sound credit decisions.
• Evaluate risks and recommend appropriate credit structures and terms.
• Monitor borrower performance and identify early warning indicators.
• Recommend actions on restructuring, renewals, or collections when necessary.
• Collaborate with marketing teams to ensure accurate and timely credit processing.

Skills

Credit analysis

Financial analysis

Risk management

Communication

Teamwork

Education

Bachelor's degree

Job description

About the Job

Location: Cebu
Corporate Title: Junior Officer to Senior Manager
Work Arrangement: On-site

Our Corporate Banking team is looking for experienced professionals to join us in the Cebuwith the role of Credit Analyst and Review Officer (CARE).

In this role, you will assess the creditworthiness of borrowers, conduct financial and risk analyses, and support lending decisions by preparing Credit Offering Memos (COMs). You will work closely with marketing teams to evaluate transactions, recommend appropriate credit structures, and ensure accurate and timely processing of credit approvals.

Your dream. Our focus.

East West Banking Corporation (EastWest) is one of the largest universal banks in the Philippines, and is committed to continuously invest in people and in process, product, and service enhancements, and embrace new ideas to enhance the EastWest experience.

We empower our employees to drive their careers and are committed to provide the runway for them to grow. We value teamwork and individual initiative. Join us and be part of a highly engaged team, and a workplace that promotes development and goal attainment.

Whether you're just starting out, or already a seasoned professional, EastWest can help you unleash your potential, and bridge the gap between dream to success.

What the role will entail

• Conduct comprehensive financial and credit analysis of prospective and existing clients
• Prepare and present Credit Offering Memos (COMs) to support sound credit decisions
• Evaluate risks and recommend appropriate credit structures and terms
• Monitor borrower performance and identify early warning indicators
• Recommend actions on restructuring, renewals, or collections when necessary
• Collaborate with marketing teams to ensure accurate and timely credit processing

What we're looking for

• Bachelors degree in Business, Management, Marketing, Commerce, Economics, Finance, Accounting, or Banking
• At least 2 years of experience as an Account Officer or Credit Officer in commercial or corporate lending within a similar-sized or larger bank
• Strong knowledge of credit evaluation, banking products, financial analysis, risk management, and industry researchExcellent analytical and problem-solving skills with keen business acumen
• Strong written and verbal communication skills
• Collaborative team player with solid stakeholder management skills
• Organized, detail-oriented, and able to work effectively under pressure

What you can expect from joining our team

• Career development and training opportunities
• Competitive salary package and benefits
• Performance-based incentives and recognition programs to reward high-performing individuals
• Opportunity to work with industry experts and be mentored by them
• Defined career progression paths to guide you in your professional growth