Credit Reviewer

OwnBank; Taguig; On-site; PHP 1,800,000 - 3,000,000; Full time

Job summary

OwnBank in Metro Manila seeks an experienced Credit Risk Analyst to independently conduct thorough credit risk analysis for corporate and commercial clients across APAC, ensuring compliance with Basel and internal policies.

The role emphasizes cross-border expertise, due diligence, and clear risk-based recommendations to support approvals or rejections.

Qualifications

• Bachelor's degree or above in Finance, Accounting, Economics, or related field. An MBA or Master's in Finance is a plus.

Responsibilities

• Independently assess credit risk for corporate and commercial clients across APAC.
• Review credit applications, renewals, and risk rating reports for accuracy and policy compliance.
• Conduct due diligence on client financials, collateral valuations, and business backgrounds.

Skills

Financial modeling

Financial statement analysis

Cash flow analysis

Banking regulations

Credit risk theory

Cross-border transactions

English communication

Mandarin Chinese

Education

Bachelor's degree in Finance, Accounting, Economics, or related field

MBA or Master's in Finance (preferred)

Tools

Excel

Basel II/III compliance systems

Job description

To independently conduct thorough and accurate credit risk analysis, reviews, and risk rating assignments for corporate and commercial clients domestically & across the Asia-Pacific region, ensuring compliance with internal policies, regulatory requirements, and international risk standards.

Key Responsibilities

• 1. Credit Risk Assessment: Perform independent credit analysis on corporate and commercial clients, including financial statement analysis, cash flow projection, and debt capacity evaluation.
• 2. Transaction Review: Thoroughly review credit applications, renewal proposals, and risk rating reports to ensure accuracy, completeness, and compliance with credit policies.
• 3. Due Diligence: Conduct independent due diligence on client financials, collateral valuations, and business backgrounds to identify potential risks and discrepancies.
• 4. Report & Recommendation: Prepare professional credit reports and risk assessment memos; provide clear and defensible credit recommendations (Approval, Conditional Approval, or Rejection).
• 5. Cross Border Expertise: Handle cross-border credit cases involving [Specify: China/Indonesia/Southeast Asia] regulatory environments, foreign exchange regulations, and local market risks.
• 6. Policy Advocacy: Identify emerging risks and industry trends, and provide constructive feedback to optimize credit policies and procedures.
• 7. Regulatory Compliance: Ensure all credit activities are in line with Basel Accords, local banking regulations, and the bank's internal risk appetite framework.

Job Requirements

• 1. Education: Bachelor's degree or above in Finance, Accounting, Economics, or a related field. An MBA or Master's in Finance is a plus.
• 2. Experience:
  • Minimum 8 years of working experience in credit risk management or corporate banking within a foreign commercial bank or top-tier financial institution.
  • Proven experience in reviewing transactions or portfolios involving the region.
• 3. Professional Skills:
  • Strong expertise in financial modeling, financial statement analysis, and cash flow analysis.
  • In-depth understanding of banking regulations, Basel Accords, and credit risk management theories.
  • Familiarity with trade finance, syndicated loans, and cross-border transactions is preferred.
• 4. Language & Abilities:
  • Fluent in English (both written and spoken) as the primary work language. Mandarin Chinese speaking is preferred.
  • Strong communication, negotiation, and interpersonal skills with the ability to work under pressure.
  • Meticulous attention to detail, high integrity, and good risk awareness.
• 5. Tools: Proficiency in Office Suite (Advanced Excel skills). Experience with Basel II/III compliance systems is a plus.