Credit Review Officer

Chinabank PH; Makati; On-site; PHP 600,000 - 900,000; Full time

Job summary

Chinabank Philippines is seeking a Credit Review Officer to evaluate loan portfolio quality and risk management practices. The role ensures compliance with credit policies, regulatory requirements, and risk standards, delivering timely reports to strengthen the bank's credit risk framework.

The ideal candidate has a business/finance background with at least 2 years in credit-related roles, strong analytical skills, and proficiency with MS Office tools.

Qualifications

• At least 2 years in credit-related functions within a financial institution.
• Strong analytical and problem-solving skills.
• Knowledge of financial analysis and financial spreadsheets.
• Proficient in Microsoft Word, Excel, and PowerPoint.

Responsibilities

• Conduct reviews of loan portfolios to assess credit quality and policy compliance.
• Identify credit risk exposures and recommend risk controls.
• Prepare credit review reports and present findings to management.
• Monitor and validate corrective actions from credit review findings.
• Evaluate adverse account classifications and reserve adequacy per regulatory requirements.
• Conduct credit risk-related training and guidance to lending personnel.
• Support the enhancement of the Bank's Credit Risk Program.

Skills

Analytical thinking

Problem solving

Financial analysis

Financial spreadsheets

Education

Bachelor's degree in Business/Finance or related field

Tools

Microsoft Word

Microsoft Excel

PowerPoint

Job description

The Credit Review Officer evaluates the quality and management of the Bank's loan portfolio to ensure compliance with credit policies, regulatory requirements, and risk management standards. The role is responsible for conducting credit reviews, identifying potential credit risks, recommending process improvements, and providing management with timely and accurate reports to strengthen the Bank's overall credit risk framework.

Key Responsibilities

• Conduct reviews of business units' loan portfolios to assess credit quality, policy compliance, and adequacy of loan loss provisions.
• Identify credit risk exposures and recommend strategies to strengthen risk controls and portfolio management.
• Prepare credit review reports and present findings to management and appropriate governance committees.
• Monitor and validate corrective actions arising from credit review findings.
• Evaluate adverse account classifications and recommend appropriate loan loss reserves based on regulatory requirements.
• Conduct credit risk-related training and provide guidance to lending personnel.
• Support the continuous enhancement of the Bank's Credit Risk Program.

Qualifications

• Graduate of a Business, Finance, or related course.
• At least 2 years of experience in credit-related functions such as credit risk, credit review, credit administration, account management, loans operations, or internal audit within a financial institution.
• Strong analytical and problem-solving skills.
• Knowledge of financial analysis and financial spreadsheets.
• Proficient in Microsoft Word, Excel, and PowerPoint.