Credit Risk Review Officer

BDO Unibank, Inc.; Metro Manila; On-site; PHP 600,000 - 900,000; Full time

Job summary

BDO Unibank, Inc. is the Philippines’ leading full-service bank, offering a wide range of financial and digital banking services. The position primarily evaluates corporate and commercial loan accounts on a post-approval basis to assess repayment capacity and compliance with credit terms.

The role involves validating risk ratings, preparing Credit Portfolio Review Reports, and ensuring data in the Credit Review Sheet is complete, supporting timely corrective actions to protect the loan portfolio.

Qualifications

• Bachelor's degree in Business Administration, BS Accountancy, BS Financial Management, BS Banking & Finance or related field.
• At least five (5) years of experience in credit origination, account management, and/or remedial management, preferably involving corporate and commercial loan accounts.
• Must be willing to work onsite and be assigned in Makati/Ortigas.

Responsibilities

• Assess the portfolio quality of the borrowers via classification of accounts based on internal guidelines.
• Validates the risk rating/credit scorecards performed by Account Officers during portfolio reviews and the report discrepancies and/or errors in rating, if any, for eventual correction.
• Ensures that all data, information required for clearing, report preparation are encoded/presented in the Credit Review Sheet of each account.
• Monitors assignment in actual portfolio review of a lending unit which includes ensuring all credit folders, other loan related documents are available.
• Prepares the Credit Portfolio Review Report after every review engagement.
• Performs other duties that may be assigned from time to time.

Skills

Credit analysis

Portfolio review

Compliance awareness

Education

Bachelor's degree in Business Administration / BS Accountancy / BS Financial Management / BS Banking & Finance or related field

Job description

BDO Unibank, Inc. is the Philippines’ leading full-service bank, offering a wide range of financial and digital banking services. Guided by our brand promise “We Find Ways,” we are committed to delivering easy, reliable, and customer-focused services. Build your career with a trusted industry leader.

Job Summary

The position is primarily responsible for evaluating the status of corporate and commercial loan accounts on a post‑approval, sampling basis in terms of repayment capacity and compliance with approved credit terms. The role aims to enable management to take prompt corrective actions, prevent further account deterioration, and assess the unit’s compliance with established credit policies and procedures by identifying lapses, exceptions, violations, and other potential risks before they negatively impact the safety and soundness of the loan portfolio.

Key Responsibilities

• Assess the portfolio quality of the borrowers via classification of accounts based on internal guidelines.
• Validates the risk rating/credit scorecards performed by Account Officers during portfolio reviews and the report discrepancies and/or errors in rating, if any, for eventual correction.
• Ensures that all data, information required for clearing, report preparation are encoded/presented in the Credit Review Sheet of each account.
• Monitors assignment in actual portfolio review of a lending unit which includes ensuring all credit folders, other loan related documents are available.
• Prepares the Credit Portfolio Review Report after every review engagement.
• Performs other duties that may be assigned from time to time.

Qualifications

• Bachelor's degree in Business Administration, BS Accountancy, BS Financial Management, BS Banking & Finance or related field.
• At least five (5) years of experience in credit origination, account management, and/or remedial management, preferably involving corporate and commercial loan accounts.
• Must be willing to work onsite and be assigned in Makati/Ortigas.