Credit Review Officer

UnionBank; Pasig; On-site; PHP 800,000 - 1,100,000; Full time

Job summary

Union Bank of the Philippines is seeking a Credit Review Officer to ensure thorough credit reviews for corporate, commercial and consumer lending portfolios in line with BSP and bank regulations. The role includes assessing credit quality, risk ratings, classifications, and loss provisions, with rigor in financial analysis and documentation.

The officer will monitor portfolio performance, conduct reviews as needed, and prepare credit proposals supported by industry data and risk assessments.

Qualifications

• Ability to assess credit quality and risk ratings.
• Strong analytical and communication skills.
• Team-oriented with willingness to learn.

Responsibilities

• Align credit reviews with BSP and bank rules.
• Assess individual credits and portfolio risk, including classifications.
• Prepare comprehensive credit proposals with financial analysis.
• Maintain credit risk scoring and documentation.
• Monitor account performance and report findings.

Skills

Accountability

Adaptability

Analytical

Communication

Critical thinking

Teamwork

Willingness to learn

Job description

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