Credit Risk Manager

Salmon Group; Taguig; On-site; PHP 900,000 - 1,800,000; Full time

Job summary

Salmon Bank seeks a Credit Risk Manager, Credit Administration to safeguard the bank's credit portfolio from disbursement to closure. This role sits at the heart of our credit control environment, ensuring loans are booked, monitored, and closed in full compliance with terms, regulatory requirements, and internal policy.

The successful candidate will oversee pre-disbursement control, disbursement authorization, and post-booking monitoring, maintaining data integrity and supporting examinations.

Qualifications

• Strong background in credit administration, risk, or loan operations.
• Understanding of credit approval processes and regulatory requirements.
• Experience with loan documentation and collateral management.
• Knowledge of portfolio monitoring and risk controls.
• Ability to operate as an independent control function separate from origination.

Responsibilities

• Pre-Disbursement Control: validate compliance before loan disbursement.
• Disbursement Authorization: approve releases aligned with credit approvals.
• Loan Booking and Record Integrity: ensure accurate booking and reconciliation.
• Credit and Collateral Custodianship: maintain documentation and security instruments.
• Post-Booking Monitoring and Exception Management: monitor conditions and escalate issues.
• Loan Settlement and Closure: administer settlements and close records.
• Regulatory Reporting and Examination Support: assist with regulatory data and audits.
• Control and Compliance Oversight: maintain independent controls and standards.

Skills

Credit administration

Credit risk

Loan operations

Regulatory compliance

Loan documentation

Portfolio monitoring

Independent control function

Escalation management

Tools

Loan booking systems

Collateral management

Regulatory reporting systems

Job description

Salmon Bank

Salmon Bank is looking for a Credit Risk Manager, Credit Administration to safeguard the integrity of our credit portfolio from disbursement through closure. This role sits at the heart of our credit control environment, acting as an independent checkpoint that ensures every loan is booked, monitored, and closed in full compliance with approved terms, regulatory requirements, and internal policy.

What You'll Do

Pre-Disbursement Control
Provide final clearance before loan disbursement by validating compliance with approved credit terms, documentation requirements, delegated authorities, and regulatory conditions.

Disbursement Authorization
Authorize loan disbursements independently from loan origination, ensuring every release aligns with approved credit approvals and intended use of proceeds.

Loan Booking and Record Integrity
Ensure accurate booking, classification, recording, and reconciliation of credit facilities across the Bank's systems and records.

Credit and Collateral Custodianship (Legacy Loans)
Maintain the integrity, completeness, security, and accessibility of all credit and collateral documentation, including original security instruments and supporting records.

Post-Booking Monitoring and Exception Management
Monitor compliance with approved credit conditions, covenants, collateral requirements, and other post-disbursement obligations, escalating exceptions as needed.

Loan Settlement and Closure
Administer loan settlement and collateral release, and maintain closed loan records in accordance with policy and regulatory standards.

Regulatory Reporting and Examination Support
Support regulatory reporting, portfolio monitoring, and supervisory examinations by maintaining complete and accurate credit data, records, and registers.

Control and Compliance Oversight
Maintain independent oversight of credit administration controls, documentation standards, exception management processes, and regulatory compliance to support portfolio quality, operational integrity, and prudent risk management.

What We're Looking For

• Strong background in credit administration, credit risk, or loan operations within a banking or financial institution

• Solid understanding of credit approval processes, loan documentation, and regulatory compliance frameworks

• Experience with loan booking systems, collateral management, and portfolio monitoring

• High attention to detail and comfort operating as an independent control function, separate from origination

• Familiarity with regulatory reporting and examination processes

• Strong organizational and escalation-management skills