HEAD, COMMERCIAL CREDIT DIVISION - CENTRAL METRO MANILA II

Metrobank; Taguig; On-site; PHP 1,200,000 - 1,500,000; Full time

Job summary

A leading financial institution in Metro Manila is looking for a Head of Commercial Credit Division. This role involves planning and supervising credit evaluation activities, ensuring compliance with regulations, and managing a high-performing team. Candidates should have a Bachelor's degree in Business, a minimum of 10 years in commercial lending, and strong leadership experience. Proficiency in spoken and written Chinese is preferred. The position offers an opportunity to shape the future of commercial credit management.

Qualifications

• 10+ years of experience in middle market commercial lending.
• 3+ years of experience in a leadership role.
• Strong proficiency in spoken and written Chinese preferred.

Responsibilities

• Supervise and direct division activities and credit evaluations.
• Ensure compliance with internal and external policies.
• Manage recruitment and talent retention efforts.

Skills

Commercial lending

Leadership

Credit assessment

People development

Proficiency in Chinese

Education

Bachelor’s degree in Business or related field

Job description

HEAD, COMMERCIAL CREDIT DIVISION - CENTRAL METRO MANILA II

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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!

Position Title: Head, Commercial Credit Division

Job Summary:

Plans, supervises and directs activities of the division among which include: evaluation of credit proposals coming from Marketing Group, domestic and International branches & subsidiaries & ensure compliance with internal and external (BSP) policies and validation/correction of financial spreadsheets prepared lending units for the Default Filter.

Specific Duties and Responsibilites

• Handles 2nd tier evaluation of Marketing Divisions 1-3, Visayas branches, MM 3, 12, 13 & 14, Int'l branches, Plaza Cervantes, QC Rotonda Ctr., Downtown Center & Ayala Center.
• Ensures that credit assessments are done according to the quality standards of the Bank.
• Ensures that the Credit Review and Portfolio Manager, Credit Review Officer, and Credit Evaluators are well trained and equipped to perform quality credit assessments.
• Ensures effective performance management and people development
• Ensures that related credit monitoring are done in a timely manner, including but not limited to monitoring and assessing of financial and business performance on a periodic basis for challenged credits
• Ensures credit risk rating and classification are appropriate and relevant at all times
• Stays on top of the credit portfolio; perform necessary credit calls with IBS partners
• Ensures timely hiring of talent, talent retention, and effective performance management.
• Manage performance of the CSU - CREAD
• Prepares queries to Law Division, Operations Group etc. relative to proposals being evaluated.
• Initiates policy queries/review/amendments to Operations Committee (OPCom/ Business Systems Division.
• Checks/supervises preparation of Summary of Accounts for Board Confirmation Secretary, Head Office Credit Committee (H.O. Crecom) and supervises preparation of weekly agenda, minutes & notification of the members. Prepares memos to censure lending units of recurring violations.
• Certifies approvals of Designated Senior Officers, President & Head Office Credit Committee (CreCom) Secretariat and Non-Performing Assets Committee (NPAC).
• Ensures that members & lending units tasked to report to NPAC are properly notified & their proposals are included in the agenda for deliberation Budget Officer for Credit Group.
• Prepares inputs for ALCO & breakfast meetings.
• Affixes final signature (together with the Group Head or Asset. Group Head) on confirmation of credit lines certifications and standby letters of credit issued by lending units terms and conditions of credit approvals as well as internal (Metrobank) and external (Bangko Sentral- BSP) policies and procedures.
• Performs other related functions that may be assigned from time to time.

Qualifications:

• Must have a Bachelor’s degree from a college/university, preferably a graduate of Business course.
• At least 10 years experience in middle market - commercial lending.
• At least 3 years equivalent experience leading a team.
• Proficiency in spoken and written Chinese is preferred.