Credit Portfolio Lead — Risk & Growth

Metrobank; Isabela; On-site; PHP 480,000 - 600,000; Full time

Job summary

Metrobank in the Philippines seeks a Junior Officer in the Credit Support Unit to oversee initial remedial management and strong credit risk practices for accounts from Branch Lending Units and branches. The role focuses on evaluating loan proposals, ensuring compliance, and driving qualification processes.

You will supervise analysis, manage renewals and reports, and coordinate with HR and other units to align talent and policy.

Qualifications

• Graduate of any Business-related courses, preferably Economics, Accounting or Finance.
• At least 5 years working experience in credit with focus on commercial and corporate loans.
• With People Manager experience.
• Must have a pro-active approach to problem solving and the ability to meet tight deadlines.

Responsibilities

• Supervises and reviews the analysis & evaluation of loan proposals from Lending Units using various credit tools/information/documents, ensuring an appropriate and holistic credit risk/mitigant assessment in determining the creditworthiness of existing and prospective borrowers.
• Guarantees quality and timely completion of account renewals, evaluation of prospective borrowers and various credit requests and reports.
• Appropriately assess credit risk ratings and classifications and demonstrates strict compliance to documentation and bank policies.
• Performs effective portfolio management, recognizes potential issues that requires immediate attention or escalation, and initiates remedial management efforts for non-performing loans of accounts showing signs of weakness.
• Ensures effective performance management of the team against set KRAs
• Coordinates with Human Resource partners to ensure adequate talent is available and honed with well-thought-out career development programs.
• Compliance with the bank's Business Continuity Program.
• Handles any and all audit-related exercises in coordination with other business units (IBS, Credit Risk, Compliance)
• Partners with Credit Administration Department, Credit Control and Documentation Division, Credit Investigation and Appraisal Division, LEGAL (or with other relevant units) to ensure that proposals have the appropriate approvals, loan documentation process is in order and collateral/policy deviations are mitigated, among other things.
• Performs administrative duties, overall supervision of the Credit personnel and other related functions that may be assigned from time to time.

Skills

People management

Pro-active problem solving

Education

Bachelor's degree in Business/ Economics/ Accounting/ Finance

Job description

Metrobank in the Philippines seeks a Junior Officer in the Credit Support Unit to oversee initial remedial management and strong credit risk practices for accounts from Branch Lending Units and branches. The role focuses on evaluating loan proposals, ensuring compliance, and driving qualification processes.

You will supervise analysis, manage renewals and reports, and coordinate with HR and other units to align talent and policy.