Credit Officer (Davao City)

BDO Unibank, Inc.; Davao City; On-site; PHP 350,000 - 550,000; Full time

Job summary

BDO Unibank, Inc. is seeking a Credit Officer to minimize credit risk and contribute to cards issuing profitability by applying underwriting fundamentals and policy to evaluate applications, and by meeting individual targets to support the team’s objectives.

The role also involves MIS tracking, reporting, and coordination with Head Office and Sales teams to ensure timely processing and high-quality decisions in a retail banking environment.

Qualifications

• Bachelor's degree relevant to the job.
• Minimum of 2 years' experience in retail credit review.
• Good understanding of basic credit card system/solutions.
• Strong problem-solving, decision-making, communication and data analysis skills.

Responsibilities

• Evaluate credit card and personal loan applications using underwriting fundamentals and policy.
• Prepare and track MIS/production reports and monitor turnaround times.
• Coordinate with Sales and PBC teams to gather requirements and ensure timely decisions.

Skills

Credit evaluation

Risk assessment

Data analysis

Communication skills

Teamwork

Education

Bachelor's degree in relevant field

Job description

BDO Unibank, Inc. is the Philippines’ leading full-service bank, offering a wide range of financial and digital banking services. Guided by our brand promise “We Find Ways,” we are committed to delivering easy, reliable, and customer-focused services. Build your career with a trusted industry leader.

Job Summary:

This position helps minimize the Bank’s credit risk and contributes to cards issuing business profitability through:

• Applying underwriting fundamentals and existing credit policy and guidelines to evaluate applicants' risk and acceptability of credit card and personal loan applications
• Achieving established individual objectives and targets; consequently, contributing to the Team’s overall objectives and targets.

Duties and Responsibilities

A. Credit Evaluation/Decision and Quality

1. Ensures that the following stages were performed:

• Pre-screening e.g. address is within the BDO trading area, age requirement etc.
• Negative and Positive File Checking (BAP/NFIS/NLDS/PEP/Fraud/Credit Bureau/ATA file).
• Phone verification or confirmation call out/ credit investigation (as needed).
• Signature verification (if applicable) ADB computation (if applicable).

2. Evaluates applications based on available data, file-matching results and verified information.

3. Renders appropriate credit decisions based on credit policy.

4. Identifies deviation and seeks approval of higher Credit authority (if applicable).

5. Updates/checks the accuracy of the data encoded in the system prior to system confirmation of applications.

B. MIS Tracking

1. Prepares and submits timely and accurate Daily Productivity Report, Timeliness Report and other relevant mis.

2. Consolidates Productivity reports on a daily/monthly basis.

3. Prepares MIS reports of certain program for monitoring (when necessary).

C. Other Functions

• Coordinates processed applications and MIS with Head Office (as applicable) within the agreed Turn-Around Time (applicable for PBC Credit Officer).
• Coordinates with sales and other PBC teams for application status, gathering of requirements and other clarifications relevant to the decisions process.
• Ensures timely response to Quality Review findings.
• Ensures proper safekeeping of documents in a locked cabinet or secured storage area.
• Participates in the system enhancement activities (when necessary).
• Recommends process enhancements for efficient service and to improve TAT.
• Performs other duties that may be assigned by the supervisor from time to time according to established productivity, service quality standards and unit requirements.
• Bachelor's degree relevant to the job
• Minimum of 2 years' experience in retail credit review, covering the area of Application, Processing and Evaluation.
• Good understanding of basic credit card system/solutions. Must be able to comfortably interface with internal and external units such as Sales, Other PBC teams, IT/Systems Support and third-party service providers.
• Problem solving and decision-making skills, communication skills, organizational skils, conflict management skills, data analysis skills and computer literate.
• Learning agility, flexible, teamwork, technical competence, excellent execution, hardworking, leadership potential, responsible, innovative and resourceful.