Credit Review Officer

Chinabank PH; Makati; On-site; PHP 540,000 - 780,000; Full time

Job summary

Chinabank Philippines is seeking a Credit Review Officer to evaluate the quality and management of the bank's loan portfolio and ensure compliance with credit policies and risk standards. You will conduct reviews, identify risks, and provide timely reports to strengthen the credit risk framework.

Responsibilities include preparing review reports, validating actions, and supporting risk program enhancements; a background in finance and strong analytical skills are essential to drive improvements

Qualifications

• Bachelor's degree in Business, Finance, or related field.
• At least 2 years of experience 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, 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 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 guidance to lending personnel.
• Support the enhancement of the Bank's Credit Risk Program.

Skills

Credit risk

Credit review

Analytical thinking

Financial analysis

Problem-solving

Education

Bachelor's degree in Business/Finance or related

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.