Credit Portfolio Manager - Cebu

Metrobank; Cebu City; On-site; PHP 334,800 - 558,000; Full time

Job summary

A leading financial institution in Cebu City is seeking a Junior Officer for the Office of the President in the Credit Group. The role focuses on implementing robust credit risk management practices and evaluating loan proposals. The ideal candidate will have at least 5 years of experience in credit, specializing in commercial loans, and must possess people management skills. Candidates should be proactive problem solvers capable of meeting tight deadlines. It's an opportunity to shape the future of credit operations in the organization.

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 the analysis & evaluation of loan proposals.
• Ensures quality and timely completion of account renewals.
• Assesses credit risk ratings and compliance to bank policies.
• Recognizes potential issues for non‑performing loans.
• Coordinates with HR on career development programs.
• Handles audit-related exercises within business units.
• Performs administrative duties and supervises credit personnel.

Skills

Credit risk management

Loan proposal analysis

Portfolio management

People management

Education

Business-related courses

Job description

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.
• 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.

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 / Commercial Credit Division - Visayas I

Location: Cebu