Credit Officer

Bank of the Philippine Islands (BPI); Quezon City; In loco; PHP 420.000 - 720.000; Tempo pieno

Descrizione del lavoro

The Bank of the Philippine Islands (BPI) is hiring a Credit Officer in Manila to conduct credit evaluation and risk assessment for corporate and commercial borrowers. You will prepare credit proposals, engage Relationship Management, and monitor loan performance to protect asset quality.

You will work with cross-functional teams, present to approving bodies, and assist in restructuring efforts as needed. A bachelor's degree and analytical acumen are essential.

Competenze

• Bachelor’s degree in Business, Economics, Accountancy, or Finance.
• Preferably 1 year of credit evaluation/analysis experience.
• Knowledge of the 5C’s of Credit and risk management principles.
• Proficiency in MS Word, PowerPoint and Excel.
• Strong analytical and communication/presentation skills.
• Self-motivated with leadership attributes.

Mansioni

• Conducts credit evaluation and risk assessment of corporate and commercial borrowers.
• Prepare comprehensive credit proposals aligned with bank policies.
• Present proposals to approving committees.
• Monitor loan compliance and detect weaknesses.
• Coordinate with Relationship Management for credit facilities.
• Support restructuring and workout plans for assigned accounts.

Conoscenze

Credit evaluation

Financial analysis

Risk assessment

Analytical skills

Communication

Formazione

Bachelor’s degree in Business, Economics, Accountancy, or Finance

Strumenti

MS Word

MS PowerPoint

MS Excel

Descrizione del lavoro

Job Description:

The Credit Officer is responsible for conducting credit evaluation and risk assessment of corporate and commercial borrowers. The role involves preparing comprehensive credit proposals in line with the Bank’s credit policies and standards, ensuring timely delivery while maintaining portfolio asset quality. The position also supports client engagement, credit monitoring, and remedial management to safeguard the Bank’s interests and strengthen client relationships.

Responsibilities

• Conducts client interviews, calls, and site visits, coordinating with Relationship Management counterparts on proposed credit facilities
• Performs financial analysis and projections using historical data, industry benchmarks, trade checks, and verification with banks and creditors
• Endorses credit risk ratings or credit scores of accounts within endorsement limits
• Prepares risk analysis and overall recommendations for credit proposals
• Presents credit proposals to the appropriate approving committees or bodies
• Performs periodic reviews of assigned accounts, including line renewals and term loan reviews
• Assists Relationship Management counterparts in monitoring loan compliance and detecting weaknesses or deterioration
• Conducts client visits, meetings, and calls with Relationship Management Group counterparts
• Assists in preparing restructuring proposals and loan workout plans for assigned accounts

Qualifications

• Bachelor’s degree in Business, Economics, Accountancy, or Finance
• Preferably with at least 1 year of experience in credit evaluation and analysis
• Knowledge of the 5C’s of Credit, corporate banking products, credit policies, relevant lending regulations, and risk management principles
• Proficiency in MS Word, MS PowerPoint, and MS Excel
• Strong analytical and credit risk analysis skills
• Above-average communication and presentation skills
• Self-motivated with leadership attributes