Credit Risk & Loan Review Specialist

Metrobank

Philippines

On-site

PHP 480,000 - 960,000

Full time

14 days+

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Job summary

Metrobank is seeking a Credit Review Officer to join its Institutional Banking segment. You will perform credit assessment of loan proposals, ensure conformity to internal policies, and contribute to overall credit risk management to protect the bank's portfolio.

The role requires strong quantitative and analytical skills and experience in credit risk analysis. You will collaborate with lending units and IBS counterparts to timely submit pre-approval documents, prepare ERCA for renewals, and

Qualifications

2+ years of experience in Commercial and Corporate Loans Credit.
Experience as Credit Risk Officer, Credit Analyst, or Credit Manager in financial institutions is a plus.
Solid experience in Commercial / Corporate Relationship Management.

Responsibilities

Coordinate with IBS counterparts on timely submission of pre-approval documents and manage assigned portfolio with the lending officer.
Prepare the Evaluation and Recommendation for Credit Accommodation (ERCA) for credit line renewals according to policy and SLA.
Validate data provided by lending units as part of the credit assessment.
Assess collateral and documentation deviations and mitigations in relation to the credit assessment.
Identify policy and regulatory deviations to arrive at a fair overall risk assessment and recommendations.
Prepare the financial spreadsheet and financial evaluation of new borrowing clients; may evaluate ERCA for IBS establishments.
Determine and assess credit risk rating and classification to ensure they are appropriate at all times.