CREDIT ASSOCIATE (RETAIL CREDIT)

Bank of the Philippine Islands (BPI); Manila; On-site; PHP 320,000 - 450,000; Full time

Job summary

BANK OF THE PHILIPPINES ISLANDS (BPI) in Makati (Head Office) is seeking a Designated Lending Officer. The role focuses on evaluating and rendering credit decisions for retail loans in adherence to Bank credit guidelines and within committed turnaround times.

Primary responsibilities include screening, income and residence verification, assessing credit proposals, authorizing decisions within authority, supervising Credit Staff, and handling sales inquiries to help meet business targets.

Qualifications

• 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.

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.

Skills

Credit analysis

Regulatory knowledge

Credit policy understanding

Education

Bachelor's degree in Business/Finance/Banking

Tools

MS Office

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