Credit Policy Officer

BDO Unibank; Makati; On-site; PHP 600,000 - 1,200,000; Full time

Job summary

BDO Unibank, Inc. in Makati seeks a policy-focused professional to develop, review and maintain corporate and commercial credit policies for Institutional Banking Group, BDO Finance, and BDO Private Bank, ensuring compliance with regulatory requirements and sound credit-risk management.

The role entails policy implementation, governance, and inter-unit coordination with lending, risk, legal, and compliance teams, plus training and briefings for staff. Onsite duties in Makati are required.

Qualifications

• Bachelor's degree required in a related field.
• 3 years of actual credit experience in banking or financial institution.
• 2 years of actual lending experience with a bank or lending institution.

Responsibilities

• Develop, review, and update corporate and commercial credit policies, guidelines, and related issuances based on regulatory requirements and portfolio developments.
• Coordinate with lending, credit, risk, legal, compliance, operations to evaluate and finalize policy proposals.
• Communicate and disseminate approved policies; provide interpretations and clarifications on credit-policy requirements.
• Support audits, regulatory examinations, and training sessions for lending and support units.

Skills

Credit policy

Policy governance

Regulatory awareness

Training & briefing

Education

Bachelor's degree in Business Administration, BS Accountancy, BS Financial Management, BS Banking & Finance or related field

Job description

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Business Unit: Risk Management Group

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About BDO

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

Primarily responsible for developing, reviewing, and maintaining corporate and commercial credit policies and guidelines for Institutional Banking Group, BDO Finance, and BDO Private Bank, to ensure that credit policies remain responsive to regulatory requirements, portfolio developments, business needs, and sound credit-risk management practices.

Key Responsibilities:

A. Credit Policy Development and Maintenance

Develops, reviews, and updates corporate and commercial credit policies, guidelines, and related issuances based on regulatory requirements, portfolio developments, business needs, and identified control gaps.

Conducts research, benchmarking, and impact assessments to support proposed policy changes.

Prepares policy proposals, briefing materials, approval documents, and implementation guidance for management and approving authorities.

Coordinates with lending, credit, risk, legal, compliance, operations, and other relevant units in evaluating and finalizing policy proposals.

Periodically reviews existing policies to identify outdated, overlapping, inconsistent, or unclear provisions.

B. Policy Implementation and Advisory

Communicates and disseminates approved policies and guidelines to affected units.

Provides timely and well-supported interpretations and clarifications on credit-policy requirements.

Monitors implementation issues and recommends policy clarifications or enhancements when necessary.

Assists in conducting briefings, orientations, and training sessions for lending and support units.

C. Policy Governance and Records Management

Ensures that approved policies, procedures, guidelines, and supporting approval records are complete, current, and properly maintained.

Maintains the Credit Policies and Bulletin Database and administers authorized user-access requests.

Reviews credit-related Policies, Procedures and Circulars referred by Enterprise Systems and Knowledge Management to confirm consistency with approved credit policies and guidelines.

D. Regulatory, Audit, and Risk Support

Assesses relevant regulatory issuances and recommends required amendments to existing credit policies and procedures.

Supports internal audit, external audit, regulatory examination, and compliance requirements relating to corporate and commercial credit policies.

Assists in monitoring and resolving policy-related findings, exceptions, and control issues.

Performs other credit-policy, portfolio-review, or risk-management assignments as may be required.

Qualifications:

• Bachelor's degree in Business Administration, BS Accountancy, BS Financial Management, BS Banking & Finance or related field.
• At least three (3) years of actual credit experience in a banking or financial institution.
• At least two (2) years actual lending experience with a bank or other lending institution.

Must be willing to work onsite, conduct fieldwork, and be assigned to either Makati.

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