Credit Risk Officer (Cards & Personal Loans)

BDO Unibank, Inc.; Davao City; On-site; PHP 300,000 - 420,000; Full time

Job summary

BDO Unibank, Inc. is seeking a Credit Officer to evaluate credit card and personal loan applications, ensuring adherence to underwriting standards and data accuracy. The role supports MIS reporting and coordinates with Sales and PBC teams to drive timely decisions.

The candidate should have a minimum of 2 years in retail credit review, a relevant bachelor's degree, and strong analytical and communication skills to interact with internal and external stakeholders.

Qualifications

• Bachelor's degree relevant to the job.
• Minimum of 2 years experience in retail credit review.
• Good understanding of basic credit card system/solutions.
• Ability to interface with Sales, IT/Systems Support and third party service providers.
• Strong problem solving, communication and data analysis skills.

Responsibilities

• Evaluate applications based on available data, file-matching results and verified information.
• Render appropriate credit decisions based on credit policy.
• Prepare and submit timely Daily Productivity and Timeliness reports and other MIS as needed.
• Coordinate processed applications and MIS with Head Office within Turn-Around Time.
• Coordinate with Sales and other PBC teams for status and clarifications.
• Ensure timely response to Quality Review findings.
• Safekeep documents and participate in system enhancements.

Skills

Problem solving

Decision making

Communication skills

Organizational skills

Conflict management

Data analysis

Computer literacy

Education

Bachelor's degree

Job description

BDO Unibank, Inc. is seeking a Credit Officer to evaluate credit card and personal loan applications, ensuring adherence to underwriting standards and data accuracy. The role supports MIS reporting and coordinates with Sales and PBC teams to drive timely decisions.

The candidate should have a minimum of 2 years in retail credit review, a relevant bachelor's degree, and strong analytical and communication skills to interact with internal and external stakeholders.