Credit Portfolio Manager - Cebu

Meaningful Banking From Metrobank; Compostela; Presencial; PHP 1.200.000 - 2.000.000; Jornada completa

Descripción de la vacante

Meaningful Banking From Metrobank is seeking a Credit Portfolio Manager in Cebu to oversee credit risk management across the portfolio and collaborate with Lending Units, Credit Administration, and Legal teams.

The role emphasizes strong analytical skills, portfolio monitoring, and leadership of a credit team within the Visayas Cebu division.

Formación

• 5+ years of credit analysis experience.
• Degree in business, economics or finance.
• Strong analytical thinking and risk assessment skills.
• Excellent oral and written communication.

Responsabilidades

• Review and supervise loan proposals from Lending Units to assess credit risk and determine creditworthiness.
• Ensure timely account renewals and evaluation of borrowers and credit requests.
• Assess credit risk ratings and ensure compliance with policies and documentation.
• Coordinate with Lending Units and other units to monitor portfolio performance and approvals.

Conocimientos

Credit analysis

Team management

Analytical thinking

Communication skills

Educación

Business economics/finance degree

Herramientas

MS Office

Descripción del empleo

Job Description - Credit Portfolio Manager - Cebu

Position Title: Credit Portfolio Manager

Company: Meaningful Banking From Metrobank Job Type: Full Time Cebu City, Philippines

Be #InGoodHands with Metrobank!

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

• The Credit Portfolio Manager is responsible for ensuring the effective operation and implementation of management measures, while maintaining strong credit risk management across the portfolio. The scope of work includes accounts coming from Lending Units and Branches.

Role Exposure

Credit Assessment and Proposal Review

• Supervises and reviews the analysis and evaluation of loan proposals from Lending Units using various credit tools, information, and documents to ensure appropriate and holistic assessment of credit risks and mitigates in determining the credit worthiness of existing and prospective borrowers.
• Guarantees quality and timely completion of account renewals, evaluation of prospective borrowers and various credit requests and reports.

Risk Evaluation and Credit Structuring

• Appropriately assess credit risk ratings and classifications and demonstrates strict compliance to documentation and Bank policies.

Coordination and Documentation

• Coordinates with Lending Units to effectively monitor account status and performance
• 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.

Monitoring and Reporting

• Maintain records of work metrics and ensure timely completion of reviews.
• 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
• Handles any and all audit-related exercises in coordination with other business units (IBS, Credit Risk, Compliance)

Talent Development

• 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

Additional Responsibilities

• Perform other related duties as assigned to support the overall success of the Bank.

Qualifications

• Graduate of any Business- related courses, preferably Economics, Accounting or Finance
• Minimum of 5 years of credit analysis experience
• Experience in team management is an advantage
• Strong analytical thinking for approving and recommending credit proposals
• Ability to identify, assess, and mitigate credit risks across the portfolio
• Strong understanding of risk framework, regulatory requirements and internal policies
• Proficiency in risk rating system
• Skilled in monitoring portfolio performance and delinquency trends
• Supervising credit review officers and fostering a high-performance culture
• Strong work ethic and a high level of personal and professional integrity
• An effective communicator with strong oral, written, and effective presentation skills
• Computer literate, with high level of proficiency in Microsoft Office applications such as word, excel, and PowerPoint.
• Completion of reports related to the handled credit portfolio

Other Details

Rank: Junior Officer

Unit: Office of the President / Credit Group / Commercial Credit Division – Visayas I / Cebu

Location: Cagayan De Oro

About the Company

Meaningful Banking From Metrobank

Don't let the name fool you -- Metrobank is a global operation. The Metropolitan Bank and Trust Company provides a full range of banking services to individual and commercial clients through around 800 offices in the Philippines, Asia, Europe, and the US. Its services include deposits, savings, loan...