CREDIT ASSOCIATE RETAIL CREDIT

Bank of the Philippine Islands (BPI); Manila; On-site; PHP 360,000 - 540,000; Full time

Job summary

BANK OF THE PHILIPPINE ISLANDS in Makati (Head Office) seeks a Designated Lending Officer responsible for evaluating and rendering credit decisions for retail loans in line with credit guidelines, policies, and turnaround targets.

You will conduct screening, verify income and residence, review proposals, render decisions within authority, supervise credit staff, and address sales inquiries to support business targets.

Qualifications

• Bachelor's degree in business or finance-related field.
• Fresh graduates are welcome to apply.
• Knowledge of credit, lending, and banking policies.
• Familiar with regulatory standards and compliance.
• Proficient with MS Office.

Responsibilities

• Screen applications and verify income and residence.
• Assess creditworthiness of loan applicants.
• Render credit decisions within authority limits.
• Supervise Credit Staff to meet targets.
• Address sales inquiries and escalate when needed.

Skills

Credit and lending

Operations

Credit policies

Risk management

Corporate banking

Education

Bachelor's degree in Business Studies/Administration/Management/Finance/Accountancy/Banking or equivalent

Tools

Microsoft Office

Job description

Job Description:

Group Company:

BANK OF THE PHILIPPINE ISLANDS

Designation:

DESIGNATED LENDING OFFICER

Office Location:

Makati (Head Office)

Position description:

This position is primarily responsible for evaluating and rendering credit decision for retail loans while adhering to the Bank's credit guidelines and policies within the committed turn-around time.

Primary Responsibilities

• Conducts complete screening, income verification, residence verification and encodes all information gathered for applications auto approved by the system or under lending programs
• Analyzes, reviews and evaluates proposals recommended by the credit staff to determine the credit worthiness of loan applicants.
• Renders credit decision on retail loan applications within his/her authority and recommends to higher level authorities if beyond his/her authority.
• Supervises the performance of Credit Staff under his/her supervision to ensure that goals are met.
• Handles Sales inquiries and concerns and escalates to the Unit Head when necessary to support the business targets.

Qualifications

• Must possess at least Bachelor's/College Degree in Business Studies/Administration/Management/Finance/Accountancy/Banking equivalent
• Fresh Graduates are welcome to apply
• Knowledgeable in credit and lending, operations, credit policies, risk management and corporate banking products and services.
• Knowledgeable in regulatory standards, compliance guidelines, and other bank products, processes and policies.
• Proficient in using Microsoft Office applications