Credit Portfolio Manager

Metrobank; Manila; On-site; PHP 850,000 - 1,100,000; Full time

Job summary

A leading financial institution is seeking a Junior Officer in Credit Risk Management who will supervise credit risk assessments and manage loan evaluations. The ideal candidate should have a degree in Business and at least 5 years of experience focusing on commercial loans. Responsibilities include overseeing portfolio management and coordinating with HR for staff development. This role is integral to ensuring compliance and effective management of the credit team.

Qualifications

• Must have at least 5 years of experience in credit, focusing on commercial and corporate loans.
• Experience in a managerial position is required.
• A proactive approach to problem-solving and ability to meet deadlines is essential.
• Strong understanding of credit processes for commercial/corporate loans.

Responsibilities

• Supervise loan proposal evaluations and ensure creditworthiness assessments.
• Manage account renewals and evaluate prospective borrowers.
• Assess credit risk ratings and ensure compliance with bank policies.
• Perform effective portfolio management and initiate remedial measures for non-performing loans.
• Coordinate with HR for talent development programs.

Skills

Credit risk assessment

Team management

Problem-solving

Deadline management

Education

Graduate of Business-related courses

Accounting

Finance

Job description

Here at Metrobank, we don't simply hire employees—we hone future leaders. We provide opportunities that enhance your skills and unlock your talents, helping you evolve into a well-rounded individual. We supply you with all the pieces you need to do your best work, unleashing your full potential to help you secure your future and lead a fulfilling career. And with Metrobank's strong heart for the community, you have the chance to give back and make worthwhile contributions to our nation's economic and social development. With Metrobank, a meaningful life is within your reach!

Job Summary

• Effectively operates, implements initial remedial management measures, as well as, the overall strong credit risk management in the Credit Support Unit. Scope of work covers accounts coming from the Branch Lending Units and the Branches

Role Exposure

• 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.
• Handlesany 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.

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

Other Details

Rank: Junior Officer

Unit: Office of the President / Credit Group