Credit Risk & Analysis Officer

Metrobank; Batangas City; Hybrid; PHP 520,000 - 780,000; Full time

Job summary

Metrobank seeks a Credit Review Officer to assess and recommend credit decisions across simple to complex proposals, including individuals, SMEs, and large corporate borrowers. The role emphasizes financial analysis, credit scoring, and risk assessment to meet lending standards.

You'll work with Relationship Managers to gather documentation, validate data, and ensure timely processing of credit files. The position requires integrity, strong communication, and proficient MS Office skills to

Qualifications

• Bachelor’s degree in Finance, Accounting, Business, Economics, or a related field.
• At least 2 years of credit experience, preferably in commercial and corporate lending.
• Strong analytical skills and adept in reconstruction and interpreting financial statements.
• Ability to identify risks on borrowers and credit proposals.
• Strong work ethic and a high level of integrity.
• An effective communicator with strong oral, written, and presentation skills.
• Computer literate, with high proficiency in Microsoft Word, Excel, and PowerPoint.
• Completion of reports related to the handled credit portfolio.

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.
• Evaluates 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

Integrity

Attention to detail

Problem solving

Education

Bachelor’s degree in Finance, Accounting, Business, Economics, or a related field

Tools

Microsoft Office

Job description

Metrobank seeks a Credit Review Officer to assess and recommend credit decisions across simple to complex proposals, including individuals, SMEs, and large corporate borrowers. The role emphasizes financial analysis, credit scoring, and risk assessment to meet lending standards.

You'll work with Relationship Managers to gather documentation, validate data, and ensure timely processing of credit files. The position requires integrity, strong communication, and proficient MS Office skills to