Credit Review Officer

Metrobank; Metro Manila; On-site; PHP 600,000 - 1,000,000; Full time

Job summary

Metrobank is seeking a Credit Review Officer to perform comprehensive credit assessments of commercial and corporate borrowers. You will evaluate loan proposals, provide independent credit recommendations, and support sound lending decisions while aligning with internal policies, regulatory requirements and risk governance standards.

You will work closely with business units to maintain a high-quality credit portfolio, balancing growth with prudent risk management.

Qualifications

• Bachelor's degree in Accounting, Economics or related disciplines.
• At least three years of relevant credit experience in commercial/corporate lending.
• Strong knowledge of credit risk analysis and assessment.
• Excellent quantitative, analytical and problem-solving skills.
• Ability to work proactively and manage multiple priorities to meet deadlines.
• Experience as a Commercial/Corporate Credit Analyst is preferred.
• CPA with relevant experience is an advantage.

Responsibilities

• Coordinate with Institutional Banking Segment counterparts on pre-approval documents and manage accounts with Lending Officer.
• Prepare ERCA for renewal of IBS credit facilities per bank policies and SLAs.
• Validate information and data submitted by lending units for credit evaluation.
• Assess collateral-related concerns, documentation exceptions, and mitigating controls.
• Identify and evaluate policy and regulatory exceptions to balance risk and growth.
• Prepare financial spreadsheets and perform financial analyses for new borrowing clients; review ERCAs when required.
• Determine and evaluate credit risk ratings and classifications to ensure accuracy.

Skills

Credit risk analysis

Quantitative skills

Problem-solving

Proactive work style

Multitasking

CPA advantage

Credit analysis experience

Education

Bachelor's degree

Job description

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 Review Officer is responsible for conducting comprehensive credit assessments of commercial and corporate borrowers, evaluating loan proposals, and providing independent credit recommendations that support sound lending decisions. The role ensures effective credit risk management through thorough financial analysis, portfolio monitoring, and adherence to internal credit policies, regulatory requirements, and risk governance standards. Working closely with business units, the Credit Review Officer contributes to maintaining a high-quality credit portfolio while balancing business growth and risk management objectives.

Responsibilities

• Ensure timely and proactive coordination with Institutional Banking Segment (IBS) counterparts regarding the submission of pre-approval documents and the effective management of assigned accounts in partnership with the Lending Officer.
• Prepare the Evaluation and Recommendation for Credit Accommodation (ERCA) for the renewal of IBS credit facilities in accordance with Bank policies and agreed service level standards.
• Validate information and supporting data submitted by lending units as part of the credit evaluation process.
• Assess collateral-related concerns, documentation exceptions, and corresponding mitigating controls in relation to the credit review.
• Identify and evaluate policy and regulatory exceptions to ensure a balanced assessment of risks and provide appropriate recommendations.
• Prepare financial spreadsheets and conduct financial analyses for new borrowing clients. Review and assess ERCAs prepared by IBS for the establishment of credit facilities when required.
• Determine and evaluate credit risk ratings and classifications, ensuring that these remain appropriate, accurate, and relevant at all times.

Qualifications

• Bachelors degree in Accountancy, Accounting Management, Mathematics, Statistics, Financial Management, Economics, or related disciplines.
• At least three (3) years of relevant credit experience, preferably involving commercial and corporate lending.
• Strong knowledge of credit risk analysis and assessment.
• Excellent quantitative, analytical, and problem-solving skills.
• Ability to work proactively, manage multiple priorities, and meet tight deadlines.
• Experience as a Commercial and/or Corporate Credit Analyst.
• Experience as a Commercial and/or Corporate Relationship Manager.
• Certified Public Accountant (CPA) with relevant experience in leading accounting firms is an advantage.
• Experience as a Credit Officer handling commercial and consumer loan portfolios.

Who We're Looking For

Candidates with experience in any of the following are encouraged to apply:

• Commercial and Corporate Credit Analysts
• Commercial and Corporate Relationship Managers
• Credit Officers handling commercial and consumer loans
• Certified Public Accountants (CPAs) with relevant experience in credit analysis, audit, advisory, or risk assessment
• Professionals with strong backgrounds in financial statement analysis, credit evaluation, and risk management