Credit Head

Wonese Philippines; Makati; On-site; PHP 1,000,000 - 1,500,000; Full time

Job summary

A leading financial institution in Makati is looking for an experienced Credit Manager to lead credit management initiatives. Responsibilities include formulating credit policies, ensuring compliance with banking regulations, and overseeing loan portfolios. Candidates must have 8–10 years of experience in credit management and a strong background in finance or business administration. The role offers competitive compensation and professional development opportunities in a dynamic environment.

Qualifications

• 8–10 years of progressive experience in credit management, with several years in a leadership role.
• Experience in retail banking, SME lending, corporate loans, and consumer credit.

Responsibilities

• Formulate and implement credit policies aligned with regulatory requirements.
• Ensure compliance with BSP guidelines and internal credit standards.
• Oversee credit evaluation, approval, and monitoring processes.
• Manage loan portfolios to maintain profitability while minimizing non-performing loans.
• Conduct regular risk assessments and recommend corrective actions.
• Lead and mentor credit officers, analysts, and investigators.
• Collaborate with branch heads and relationship managers to support loan growth.
• Prepare reports on credit performance, risk exposure, and portfolio health for senior management.

Skills

Strong analytical ability

Risk assessment expertise

Leadership skills

Knowledge of banking regulations

Education

Bachelor’s degree in Finance, Business Administration, Economics, or related field

MBA or advanced studies preferred

Job description

On-site - Makati 5-10 Yrs Exp Bachelor Full-time

Key Responsibilities

• Formulate and implement credit policies aligned with regulatory requirements and the bank’s risk appetite.
• Ensure compliance with BSP (Bangko Sentral ng Pilipinas) guidelines and internal credit standards.
• Oversee credit evaluation, approval, and monitoring processes.
• Manage loan portfolios to maintain profitability while minimizing non-performing loans.
• Conduct regular risk assessments and recommend corrective actions.
• Leadership & Team Oversight
• Lead and mentor credit officers, analysts, and investigators.
• Ensure efficient credit investigation, loan processing, and approval workflows.
• Provide training and guidance to strengthen credit risk management capabilities.
• Business Development Support
• Collaborate with branch heads and relationship managers to support loan growth.
• Balance business expansion with prudent risk management.
• Engage in strategic planning to identify new lending opportunities.
• Reporting & Compliance
• Prepare reports on credit performance, risk exposure, and portfolio health for senior management.
• Ensure adherence to internal audit standards and external regulatory requirements.

Qualifications

• Educational Background: Bachelor’s degree in Finance, Business Administration, Economics, or related field (MBA or advanced studies preferred).
• Experience: At least 8–10 years of progressive experience in credit management, with several years in a leadership role.
• Skills: Strong analytical ability, risk assessment expertise, leadership skills, and knowledge of banking regulations.
• Industry Exposure: Experience in retail banking, SME lending, corporate loans, and consumer credit.