Credit Review Officer

Chinabank PH; Makati; On-site; PHP 500,000 - 800,000; Full time

Job summary

Chinabank Philippines is seeking a detail-oriented Credit Review Officer to strengthen credit quality and ensure compliance with regulations and internal policies.

In this role you will review loan portfolios, identify risks, prepare credit review reports, and present findings to management. The ideal candidate has a bachelor's degree in business, finance, or related field, at least 2 years in credit risk, and strong analytical and communication skills.

Qualifications

• Bachelor's degree in Business, Finance, Accounting, Economics, or related field.
• At least 2 years of experience in credit risk, credit review, or related functions within a financial institution.
• Strong analytical, problem-solving, and report-writing skills.
• Knowledge of financial statement analysis and credit risk assessment.
• Proficient in Microsoft Excel, Word, and PowerPoint.
• Able to communicate effectively with stakeholders across business units.

Responsibilities

• Review and assess loan portfolios to evaluate credit quality and compliance with policies.
• Conduct field reviews and identify potential credit risks and policy gaps.
• Prepare credit review reports and present findings to management.
• Monitor and follow up on action plans related to credit review findings.
• Evaluate loan classifications and recommend risk ratings and provisioning.
• Support credit risk management initiatives and improve review processes.
• Collaborate with business units and lending teams on risk matters.
• Provide guidance and training on credit risk topics when needed.

Skills

Analytical thinking

Problem solving

Report writing

Stakeholder communication

Excel proficiency

PowerPoint proficiency

Financial statement analysis

Credit risk assessment

Education

Bachelor's degree in Business, Finance, Accounting, Economics, or related field

Tools

Microsoft Excel

Microsoft Word

Microsoft PowerPoint

Job description

You are a detail-oriented and analytical professional with a strong understanding of credit risk, lending practices, and financial analysis. As a Credit Review Officer, you will help ensure that credit portfolios are managed in line with regulatory requirements, internal policies, and sound risk management principles. You will play a key role in identifying risks, recommending improvements, and supporting the Bank's overall credit quality and portfolio performance.

What You Will Be Doing

• Review and assess loan portfolios to evaluate credit quality, account management practices, and compliance with credit policies and regulations.
• Conduct field reviews and identify potential credit risks, policy gaps, and areas for improvement.
• Prepare credit review reports and present findings, observations, and recommendations to management.
• Monitor and follow up on action plans related to credit review findings.
• Evaluate loan classifications and recommend appropriate risk ratings and provisioning in accordance with regulatory standards.
• Support credit risk management initiatives and contribute to the enhancement of credit review processes.
• Collaborate with business units, lending teams, and stakeholders on credit risk matters.
• Provide guidance and training on credit risk and review-related topics when needed.

What Success Looks Like

• Credit reviews are completed accurately, objectively, and on schedule.
• Risks and emerging portfolio issues are identified early and escalated appropriately.
• Management receives timely, actionable insights that strengthen credit decision-making.
• Business units improve compliance with credit policies, regulations, and risk management standards.
• Recommendations contribute to stronger portfolio quality and better credit risk controls.

Qualifications

• Bachelor's degree in Business, Finance, Accounting, Economics, or a related field.
• At least 2 years of experience in credit risk, credit review, credit administration, account management, loans operations, internal audit, or related functions within a financial institution.
• Strong analytical, problem-solving, and report-writing skills.
• Knowledge of financial statement analysis and credit risk assessment.
• Proficient in Microsoft Excel, Word, and PowerPoint.
• Able to communicate effectively with stakeholders across different business units and levels of the organization.

What You Can Expect Here

• Exposure to diverse lending portfolios and credit risk management practices.
• Opportunities to work closely with experienced risk and banking professionals.
• Continuous learning in credit analysis, regulatory compliance, and risk management.
• A collaborative environment that values sound judgment, analytical thinking, and professional growth.
• Meaningful work that supports the Bank's stability and long-term success.