Corporate Credit Officer (CARE Officer)

East West Banking Corporation; Cebu City; On-site; PHP 500,000 - 900,000; Full time

Benefits offered by this job

Competitive salary package

Performance-based incentives

Mentoring from industry experts

Career development opportunities

Job summary

East West Banking Corporation in Cebu is seeking a Credit Analyst and Review Officer (CARE) to assess creditworthiness and support lending decisions. You will prepare COMs, analyze financials, and work with marketing to ensure accurate processing of credit approvals.

The role requires a Bachelor's degree and at least 2 years in commercial or corporate lending, with strong analytical and communication skills. On-site position in Cebu offers career growth in Corporate Banking.

Qualifications

• Bachelor's degree in a relevant field is required.
• Minimum 2 years of credit or account officer experience in banking.
• Solid knowledge of credit evaluation and financial analysis.

Responsibilities

• Conduct comprehensive financial and credit analysis of borrowers.
• Prepare and present Credit Offering Memos to support decisions.
• Evaluate risks and propose credit structures and terms.
• Monitor borrower performance and identify early warning indicators.
• Collaborate with marketing to ensure timely credit processing.

Skills

Credit evaluation

Financial analysis

Risk management

Banking products

Industry research

Analytical skills

Education

Bachelor's degree in Business, Management, Marketing, Commerce, Economics, Finance, Accounting, or Banking

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 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

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