Credit Review Officer - Batangas

Metrobank; Batangas City; On-site; PHP 390,600 - 613,800; Full time

Job summary

A leading financial institution in Batangas City is seeking a Credit Review Officer. The role involves preparing credit assessments, managing credit risks, and ensuring compliance with policies. Candidates should be graduates in relevant fields with at least 2 years of experience in commercial and corporate loans. Strong analytical skills are essential. The position offers exposure to managing institutional banking portfolios and collaboration with lending officers.

Qualifications

• 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.
• Solid experience in Commercial / Corporate Relationship Management.

Responsibilities

• Preparation and credit assessment of loan proposals and borrowers.
• Credit Risk and Portfolio Management.
• Ensure adherence to internal and external policies.

Skills

Quantitative and analytical skills

Credit risk / financial analysis knowledge

Commercial / Corporate Relationship Management

Education

Graduate of Accountancy, Accounting Management, Math, Statistics, Financial Management or Economics

Job description

Position Title: Credit Review Officer

Role Exposure:

• Preparation and credit assessment of loan proposals and corresponding borrowers
• Credit Risk and Portfolio Management
• Conformity to internal and external policies
• Ensure consistent and advance coordination with Institutional Banking Segment (IBS) counterparts on the timely submission of pre-approval documents, and actively manage 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 all relevant policy and regulatory deviations to arrive at a fair assessment of the overall risks and make appropriate recommendations
• Prepare the financial spreadsheet 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 and relevant at all times

Qualifications:

• Graduate of Accountancy, Accounting Management, Math, Statistics, Financial Management or Economics
• 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 (with background in Accounting is plus)
• Solid experience in Commercial / Corporate Relationship Management
• Experience in Consumer Lending (Auto, Personal, Home) Credit and background in Accounting
• Strong quantitative and analytical skills
• Knowledgeable in credit risk / financial analysis