Credit Review Officer

UnionBank; Pasig; On-site; PHP 500,000 - 700,000; Full time

Job summary

UnionBank is seeking a Credit Review Officer to ensure adherence to credit review regulations in corporate, commercial, and consumer lending. This role involves evaluating credit quality, preparing comprehensive proposals based on financial analysis, and monitoring account performance.

The successful candidate will need strong analytical and communication skills, along with a willingness to learn and adapt in a fast-paced environment. Join us at our headquarters in Pasig, Philippines, and contribute to maintaining high credit standards.

Responsibilities

• Align with team's workplan for credit reviews of various lending portfolios.
• Assess quality of individual credits and aggregate portfolios.
• Prepare comprehensive credit proposals with financial analysis.
• Monitor account performance and conduct reviews as needed.
• Research pertinent industry data for evaluations.

Skills

Accountability

Adaptability

Analytical

Good Communication Skills

Critical thinking

Teamwork

Willingness to learn

Job description

Company

Union Bank of the Philippines

Position

Credit Review Officer

Office Location

UB Plaza - 21F Pasig (Headquarters)

Job Summary

The Credit Review Officer ensures credit reviews of corporate, commercial, and consumer lending portfolios are performed in compliance with bank and BSP regulations. Assesses the quality of individual credits and aggregate portfolios, including risk ratings, loan classifications, and adequacy of loss provisions, while preparing comprehensive credit proposals supported by financial analysis and industry research. Monitors account performance, conducts reviews as needed, and maintains accurate credit risk scoring and documentation.

Duties And Responsibilities

• To align with team's workplan and ensure that credit review of the accounts / various lending portfolios (Corporate/ Commercial/Consumer) are performed according to the rules set forth by the bank and the BSP
• To assess the quality of individual credits and aggregate portfolio, including the appropriateness of credit risk ratings, loan classifications and adequacy of allowance for loan losses, trends, and identifying problems. Prepares credit proposals with complete assessment and evaluation covering all key risk areas.
• Responsible for Credit Risk Scoring and financial spreadsheets.
• Researches and includes all pertinent industry data and statistics that are material to the evaluation of the account.
• Monitors performance of accounts under his/her portfolio and conducts review / reporting when needed.

Required Skills

Accountability, Adaptability, Analytical, Good Communication Skills, Critical thinking, Teamwork, Willingness to learn