Credit Review Officer

Chinabank PH; Makati; On-site; PHP 500,000 - 900,000; Full time

Job summary

Chinabank PH in Makati invites applications for a Credit Review Officer responsible for evaluating loan portfolios, ensuring compliance with credit policies and regulatory requirements, and strengthening the bank's risk framework.

The role conducts reviews across business units, identifies credit risks, prepares reports for management and governance committees, and supports improvements in controls and training for lending staff.

Qualifications

• Graduate of a Business, Finance, or related course.
• Minimum 2 years of credit-related experience in a financial institution.
• Skilled in financial analysis and problem solving.

Responsibilities

• Conduct reviews of loan portfolios to assess credit quality and policy compliance.
• Identify credit risk exposures and suggest risk-control improvements.
• Prepare credit review reports for management and governance committees.
• Monitor corrective actions from credit review findings.
• Evaluate adverse account classifications and loan loss reserves per regulation.
• Provide guidance to lending personnel through risk training.
• Support enhancement of the Bank's Credit Risk Program.

Skills

Analytical skills

Problem-solving

Financial analysis

Financial spreadsheets

Education

Business/Finance degree

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.