Credit Review & Risk Analyst

Metrobank; Bacolod-Kalawi; On-site; PHP 600,000 - 900,000; Full time

Job summary

Metrobank is seeking a Credit Review Officer to assess and recommend credit decisions for simple to complex proposals across individuals, SME, and large corporate borrowers. The role emphasizes financial analysis, credit scoring, and holistic risk assessment to ensure lending standards are met.

You will prepare ERCA for onboarding and renewals, validate data, reconstruct or project finances, and apply credit models.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business, Economics, or a related field.
• Strong analytical and communication abilities.
• Proficiency with MS Office (Word, Excel, PowerPoint).

Responsibilities

• Prepares ERCA for credit onboarding and renewals, ensuring alignment with policy and SLA timelines.
• Validates financial data and completes financial reconstruction or recasting, and projections, to support sound credit decisions.
• Evaluate credit risk for simple to complex accounts, with compliance to standard credit accommodations.
• Apply credit scoring models and financial analysis to determine repayment capacity.
• Appropriately assess credit risk ratings and classifications and demonstrates strict compliance to documentation and Bank policies.
• Work with Relationship Managers to gather necessary documentation and clarify borrower details.
• Ensure completeness and accuracy of credit files for audit and review.
• Monitor approved accounts periodically and flag early warning signals.
• Maintain records of work metrics and ensure timely completion of reviews.
• Performs effective portfolio management, recognizes potential issues that requires immediate action or escalation.
• Perform other related duties as assigned to support the overall success of the Bank.

Skills

Analytical skills

Communication skills

MS Office proficiency

Education

Bachelor’s degree in Finance/Accounting/Business/Economics

Tools

Microsoft Office

Job description

Metrobank is seeking a Credit Review Officer to assess and recommend credit decisions for simple to complex proposals across individuals, SME, and large corporate borrowers. The role emphasizes financial analysis, credit scoring, and holistic risk assessment to ensure lending standards are met.

You will prepare ERCA for onboarding and renewals, validate data, reconstruct or project finances, and apply credit models.