Credit Risk Officer

Metrobank; Hinoba-an; On-site; PHP 424,000 - 580,000; Full time

Job summary

Metrobank is seeking a Junior Officer to plan, design and direct comprehensive credit review plans across the Bank’s lending units. You will independently validate risk ratings and recommend actions for high-risk accounts, reporting to senior management. The role supports portfolio risk controls in consumer banking operations.

Applicants must have a Bachelor’s degree in relevant fields and at least two years in credit risk or consumer banking operations. Strong analytical skills are essential.

Qualifications

• Bachelor’s degree in Mathematics, Statistics, Data Science or Accounting.
• Minimum of two (2) years in consumer banking operations, credit risk management.

Responsibilities

• Plans, designs and directs a comprehensive credit review plan of the Bank’s various lending units.
• Independently validates the risk rating/classification assigned to sampled accounts and assigns based on material developments and credit factors.
• Recommends monitoring strategies and action plans on high risk accounts.
• Reports the remaining deficiencies, findings, the credit review rating as well as the recommendations to senior and line management and to other stakeholders.
• Evaluates request for change of account classification submitted by the lending unit and assigns appropriate risk rating/classification based on material developments and credit factors.

Skills

Credit risk management

Education

Bachelor’s degree in Mathematics, Statistics, Data Science or Accounting

Job description

Here at Metrobank, we don't simply hire employees—we hone future leaders. We provide opportunities that enhance your skills and unlock your talents, helping you evolve into a well-rounded individual. We supply you with all the pieces you need to do your best work, unleashing your full potential to help you secure your future and lead a fulfilling career. And with Metrobank's strong heart for the community, you have the chance to give back and make worthwhile contributions to our nation's economic and social development. With Metrobank, a meaningful life is within your reach!

Job Summary:

• Plans, designs and directs comprehensive credit review plans to determine the adequacy, efficiency and effectiveness of key credit controls at the Bank’s various lending units. Independently validates the classification and risk rating of sampled accounts. Recommends appropriate monitoring strategies and action plans on high-risk accounts. Reports findings and recommendations to line and senior management.

Role Exposure:

• Plans, designs and directs a comprehensive credit review plan of the Bank’s various lending units. This includes preparation of preliminary credit review strategies and portfolio risk profile, and identification of areas of specific concern and accounts for review based on sampling rationale.
• Provides an independent assessment of a lending unit’s adherence to the Bank’s credit policies and procedures and identifies any deficiencies and findings on key control areas such as portfolio quality, credit initiation and underwriting, and problem recognition and remedial management.
• Independently validates the risk rating/classification assigned to sampled accounts and assigns appropriate risk rating/classification based on material developments and credit factors.
• Recommends appropriate monitoring strategies and action plans on sampled accounts that are considered high risk. These include plans that are in accordance with the Bank’s guidelines.
• Reports the remaining deficiencies, findings, the credit review rating as well as the recommendations to senior and line management and to other stakeholders.
• Evaluates request for change of account classification submitted by the lending unit and assigns appropriate risk rating/classification based on material developments and credit factors.
• Performs other related functions that may be assigned from time to time.

Qualifications:

• Bachelor’s degree in Mathematics, Statistics, Data Science or Accounting courses.
• Minimum of two (2) years in consumer banking operations, credit risk management.

Other Details:

Rank: Junior Officer