Credit Review Officer - Local and Offshore Corporates

Metrobank; Taguig; On-site; PHP 800,000 - 1,000,000; Full time

Job summary

A leading financial institution is seeking a Credit Review Officer to manage the preparation and assessment of loan proposals. You will ensure conformity to policies and coordinate with the Institutional Banking Segment to securely manage credit risks. Ideal candidates should have at least 3 years of experience in commercial loans and possess strong analytical skills. This role is based in Taguig City and offers opportunities for career development.

Qualifications

• At least 3 years of experience in credit with a focus on commercial/corporate loans.
• Experienced CPA from a top accounting firm.
• Experience in managing credit risk and commercial loans.

Responsibilities

• Preparation and credit assessment of loan proposals.
• Ensure consistent coordination with Institutional Banking Segment.
• Validate data for credit assessment.
• Identify policy deviations and assess overall risks.

Skills

Credit risk analysis

Strong quantitative skills

Analytical skills

Pro-active problem-solving

Education

Graduate of Accountancy or related field

Job description

Credit Review Officer - Local and Offshore Corporates

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Position Title: Credit Review Officer - Local and Offshore Corporates

Job Summary:

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

Role Exposure:

• Should ensure consistent and advance coordination with Institutional Banking Segment (IBS) counterparts on the timely submission of pre-approval documents, and the active management of his/her assigned portfolio of accounts together with the lending officer.
• Prepares 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.
• Validates data provided by lending units as part of the credit assessment.
• Assess the 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 the 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 and Economics
• At least 3 years working experience in credit with focus on commercial and corporate loans
• Knowledgeable in credit risk analysis
• Strong quantitative and analytical skills
• Must have a pro-active approach to problem solving and the ability to meet tight deadlines
• Experienced commercial / corporate Credit Analyst
• Experienced commercial / corporate Relationship Manager (willing to do Credit)
• Experienced Certified Public Accountant (CPA) from top accounting firms
• Experienced Credit Officers handling commercial and consumer loans

Other Details:

Rank: Junior Officer

Unit: Office of the President / Credit Group / Institutional Credit Division – Local and Offshore Corporates
Location: Metrobank Center BGC, Taguig City