Credit Risk Management Manager (Hybrid)

Cloudstaff Philippines Inc.; Angeles; On-site; PHP 1,800,000 - 3,000,000; Full time

Benefits offered by this job

Health and life insurance

Company-provided PC/Laptop

Fiber internet connection

Weekly office perks

Job summary

Cloudstaff Philippines Inc. is seeking an experienced Senior Banking Risk Advisor to lead multi-workstream client engagements end-to-end, set the approach, manage risk and escalations, and mentor junior talent to uplift execution quality.

The role requires deep knowledge of credit risk, loan analysis, and lending policies across US banking standards, with overseas collaboration, project ownership, and a track record of delivering compliant, high‑quality work on time.

Qualifications

• Master’s or bachelor’s degree in accounting or finance (M. Com/B. Com/MBA). Major in Banking would be a plus.
• 12+ years of experience in the banking industry with a focus in lending, credit analysis and loan review.
• Knowledge of US banking industry rules and regulations is preferred.
• Extensive knowledge of commercial lending and related collateral documentation.

Responsibilities

• Lead multi-workstream client engagements end-to-end, setting approach and managing risk and escalations.
• Develop client relationships and serve as primary contact for assigned client engagements including scoping, planning and timelines.
• Maintain regular communication with the onshore team, client and relationship executive for streamlined client experience.
• Optimize staffing and capacity; plan, allocate tasks and manage teams to meet deadlines.
• Review loans and assess credit risk, ensuring compliance with policies and regulations.

Skills

Leadership

Client relationship management

Stakeholder management

Project management

Risk analysis

Credit analysis

Team mentoring

Communication

Education

M. Com / B. Com / MBA in Accounting/Finance

Tools

CaseWare

DiCom CQS

Microsoft Excel

Microsoft Word

Adobe Acrobat

Job description

Job Description

Lead multi-workstream client engagements end-to-end, setting approach and managing risk and escalations, integrating outputs across teams, managing expectations and mentoring junior talent to uplift execution quality

• Meet quantitative expectations of charge time and utilization (1,495 hours for a total of 65% of time worked)
• Develop client relationships and serve as primary contact for assigned client engagements including for scoping, planning and timelines.
• Maintain regular communication with the onshore team, client and relationship executive for streamlined client experience
• Optimize staffing and capacity and remove blockers. Effectively plan, allocate tasks and manage work teams on engagements to meet client deliverable timeframes with delivery of high-quality work product
• Review a sample of commercial loans of financial institutions to ensure that acceptable credit standards are maintained and that loans conform to established company policy and any applicable regulatory requirements.
• Analysis of the credit risks within individual commercial loans and commercial mortgages and opine on the appropriateness of risk grades for the loans reviewed.
• Review documentation relating to origination and renewals, collateral, insurance, flood certification(s) etc. Document compliance with loan policies, lending procedures and applicable regulations with the application.
• Document observations, deviations that need to be discussed with the client.
• Conduct activities consistent with established banking policies, procedures and systems, Bank Secrecy Act and all applicable State and Federal laws and regulations in the United States of America.
• Manage performance, staffing, and development plans; build a diverse, hightrust team culture. Provide guidance, coaching and actionable feedback to seniors/assistant managers.
• Monitor budget vs. actuals for the workstream; recommend corrective actions early
• Effectively lead calls with the onshore (US) team to discuss team progress, quality and productivity.
• Demonstrate leadership in firm initiatives; foster cross-practice collaboration
• Manage the team in providing other risk advisory services to financial services and other industry clients as required.

Qualifications and Requirements

• Master’s or bachelor’s degree in accounting or finance (M. Com/B. Com/MBA). Major in Banking would be a plus.
• 12+ years of experience in the banking industry with a focus in lending, credit analysis and loan review.
• Knowledge and experience in US banking industry with good knowledge of applicable rules and regulations is strongly preferred.
• Good knowledge and understanding of business banking and commercial loan products and lending credit policies/guidelines.
• Extensive knowledge of commercial lending, agricultural lending, commercial rental real estate, industrial loans, and real estate development and construction lending, with expertise in reviewing and managing the required collateral documentation for each loan type.
• Experience managing multiple projects from start to end, including involvement in scoping and ownership of planning, execution, reporting and delivery.
• Strong experience in performance management and people development, stakeholder management, escalation management, and ability to communicate effectively with other leaders, both internally and externally.
• Prior experience of working with overseas teams is essential.

Skills & Abilities:

• Good spoken and written English
• Strong analytical skills and critical thinking ability
• Self-motivated and detail-oriented
• Strong desire and capacity to learn
• Strong leadership skills with self-accountability
• Ability to develop people and client relationships
• Ability to plan and prioritize multiple projects, follow through on requests, take initiative, work under pressure and meet deadlines.
• Able to generate quality work product in a timely manner with strong attention to detail.
• Able to communicate well with team members and leaders across US and India.
• Ability to grasp new things quickly and apply learnings
• Team player with strong interpersonal and communication skills
• Good knowledge of Microsoft Outlook, Excel and Word, and Adobe.
• Prior experience with CaseWare or DiCom CQS is a plus.

Perks and Benefits

Comprehensive health and life insurance on your 16th day of employment, covering 1 free dependent on the 16th day of employment
Superb and exciting Mid-Year Parties – with items to give away and cash prizes!
Endless opportunities for career advancement
Exclusive ATM inside the office for employee's convenience
We set you up for success with a company-provided PC/Laptop and fiber internet connection
Look forward to weekly office perks for work from office staff – Free Coffee, Meals and Beer Fridays!
Top notch workplace with first class VIP lounge and game rooms
Child friendly spaces to cater to the needs of employees with children, enhancing work-life balance
Participate and join our CS Social Clubs and Special Interest Groups to connect with colleagues
International career growth and connections
Unlimited cash incentives for hired referrals
Mental Wellness Employee Assistance program through Lifeworks
In-house psychiatrist available to support employees' well-being
Become part of the Employee Share Units program
Cloudstaff Dream Points - To be used for bidding useful items like appliances, kitchenettes etc