Credit Review Officer - Pangasinan

Metrobank; Pangasinan; On-site; PHP 558,000 - 781,200; Full time

Job summary

A financial institution in the Philippines is seeking a Credit Review Officer responsible for preparing loan proposals and assessing credit risk. The role entails managing a loan portfolio, evaluating financing proposals, and ensuring conformity to policies. Candidates should hold a degree in Accountancy or related fields, with at least 2 years of relevant experience and strong analytical skills. This position offers a chance to work closely with the Institutional Banking Segment and manage diverse credit risks.

Qualifications

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

Responsibilities

• Prepare and assess loan proposals and corresponding borrowers.
• Manage assigned portfolio and coordinate with Institutional Banking Segment.
• Evaluate credit line renewals and validate data from lending units.
• Assess collateral and documentation deviations.

Skills

Quantitative skills

Analytical skills

Credit risk assessment

Financial analysis

Education

Graduate of Accountancy or related field

Job description

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

• 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
• Assesses the related collateral and documentation deviations and necessary mitigations in relation to the credit assessment
• Identifies all relevant policy and regulatory deviations to arrive at a fair assessment of the overall risks and make the appropriate recommendations
• Prepares 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
• Determines and assesses credit risk rating and classification and ensures 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 plus)
  • With solid experience in Commercial / Corporate Relationship Management
  • With Consumer Lending (Auto, Personal, Home) Credit experience and background in Accounting
• Comes with strong quantitative and analytical skills
• Knowledgeable in credit risk / financial analysis