Credit Review Officer (Luzon, Visayas, Mindanao)

Metrobank; Manila; Hybrid; PHP 334,800 - 502,200; Full time

Job summary

A leading bank in the Philippines is seeking a Credit Review Officer to handle credit assessment and risk management. Responsibilities include preparing loan proposals, coordinating with banking segments, and validating key data for credit assessments. The ideal candidate should have a degree in Finance-related fields and at least 2 years of experience in credit risk roles or commercial loans. Strong analytical and quantitative skills are essential. This position offers opportunities for professional growth in a dynamic environment.

Qualifications

• At least 2 years of experience in handling Commercial and Corporate Loans Credit.
• At least 2 years as a Credit Risk Officer, Credit Analyst, or Credit Manager in financial institutions.
• Strong experience in Commercial / Corporate Relationship Management.

Responsibilities

• Prepare and assess loan proposals and corresponding borrowers.
• Ensure proactive coordination with Institutional Banking Segment.
• Validate data provided by lending units for credit assessment.

Skills

Quantitative skills

Analytical skills

Credit risk knowledge

Relationship management

Education

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

Job description

Overview

Be #InGoodHands with Metrobank! 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 Title: 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 proactive 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
• With any of the following backgrounds:
  • 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 a plus)
  • Strong 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

Other Details

• Rank: Junior Officer
• Unit: Office of the President / Credit Group
• Location: Metro Manila or Countryside