Credit Review Officer

Metrobank; Tarlac City; On-site; PHP 600,000 - 1,000,000; Full time

Job summary

Metrobank Philippines is seeking a Credit Review Officer to perform loan proposal assessment, credit risk analysis, and portfolio management within a banking environment in the Philippines.

The role involves ensuring adherence to policies, coordinating with Institutional Banking Segment, and preparing financial evaluations and ERCA renewals for IBS accounts. Strong quantitative skills and relevant experience are essential.

Qualifications

• Graduate in accounting/finance or related field.
• 2+ years in Commercial/Corporate Loans Credit or Credit Risk roles.
• Strong quantitative and analytical skills; knowledge of credit risk/financial analysis.

Responsibilities

• Preparation and credit assessment of loan proposals and corresponding borrowers
• Credit Risk and Portfolio Management
• Conformity to internal and external policies
• Coordinate with IBS counterparts on timely submission of pre-approval documents and management of the assigned portfolio
• Prepare ERCA for credit line renewals of IBS accounts according to SLA
• Validate data provided by lending units as part of the credit assessment
• Assess collateral and documentation deviations and mitigations
• Identify policy and regulatory deviations to assess overall risks
• Prepare financial spreadsheets and financial evaluation of new borrowing clients
• Determine and assess credit risk rating and ensure these are appropriate at all times

Skills

Strong quantitative skills

Analytical skills

Credit risk analysis

Education

Accounting/Finance degree

Job description

Overview

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!

Position

Credit Review Officer

Responsibilities

• Preparation and credit assessment of loan proposals and corresponding borrowers
• Credit Risk and Portfolio Management
• Conformity to internal and external policies

Role Exposure

• Ensure consistent and advanced coordination with Institutional Banking Segment (IBS) counterparts on timely submission of pre-approval documents and active management of the assigned portfolio of accounts together with the lending officer
• Prepare the Evaluation and Recommendation for Credit Accommodation (ERCA) for credit line renewals of IBS accounts according to policy and in compliance with the agreed Service Level Agreement (SLA) with IBS
• Validate data provided by lending units as part of the credit assessment
• Assess related collateral and documentation deviations and necessary mitigations in relation to the credit assessment
• Identify policy and regulatory deviations to arrive at a fair assessment of overall risks and make appropriate recommendations
• Prepare financial spreadsheets and financial evaluation of new borrowing clients; may be asked to evaluate the ERCA prepared by IBS for the establishment of its credit facilities
• Determine and assess credit risk rating and classification and ensure these are appropriate at all times

Qualifications

• Graduate of Accountancy, Accounting Management, Mathematics, Statistics, Financial Management or Economics
• Backgrounds can include one or more of the following:
  • At least 2 years of experience in handling Commercial and Corporate Loans Credit
  • At least 2 years of relevant work experience as Credit Risk Officer, Credit Analyst, or Credit Manager in financial institutions (Accounting background is a plus)
  • Solid experience in Commercial / Corporate Relationship Management
  • Consumer Lending (Auto, Personal, Home) Credit experience and background in Accounting
• Strong quantitative and analytical skills
• Knowledgeable in credit risk / financial analysis