Risk Officer (Credit Risk)

EastWest Bank; Taguig; On-site; PHP 1,000,000 - 2,000,000; Full time

Benefits offered by this job

Career development opportunities

Competitive salary package

Performance-based incentives andrecogn

Job summary

East West Banking Corporation is seeking a Risk Officer (Credit Risk) in Taguig, with a hybrid work arrangement. You will conduct independent credit risk reviews, monitor portfolios against risk appetite, and prepare assessments and dashboards.

You will collaborate with business units and support policy enhancements, while promoting strong governance and risk controls. The role requires a strong background in credit risk analysis, financial statement analysis, and knowledge of banking

Qualifications

• Bachelor's degree or higher in a relevant field.
• 5+ years of credit risk experience for Senior Manager level or 3-5 years for Manager level.
• Strong knowledge of credit analysis, financial statement analysis, risk rating methodologies, and limit monitoring.
• Familiar with banking regulations, governance frameworks, and risk requirements.

Responsibilities

• Conduct independent reviews of credit proposals, renewals, restructurings, and amendments.
• Monitor credit portfolios against risk appetite, limits, and early warning indicators.
• Prepare credit risk assessments, reports, dashboards, and committee presentations.
• Partner with business units by providing risk perspectives and participating in credit committees.
• Support development and enhancement of credit risk policies, standards, and processes.
• Promote strong credit governance through documentation, controls, and regulatory compliance.
• Provide coaching and guidance to junior credit officers.

Skills

Credit risk analysis

Financial statement analysis

Risk monitoring

Regulatory knowledge

Independent judgment

Stakeholder management

Education

Bachelor's degree in Business Administration, Finance, Accounting, Economics, Management, Industrial Engineering, Information Systems, or related field

Master's degree (preferred)

Job description

About the Job

Location: Taguig

Corporate Title: Senior Assistant Manager to Senior Manager

Work Arrangement: Hybrid

Our Risk Management team is looking for experienced professionals to join us in Taguig with the role of Risk Officer (Credit Risk).

In this role, you will provide independent credit risk review, analysis, and oversight of assigned credit exposures and portfolios, ensuring credit decisions are aligned with the Bank's risk appetite, credit policies, and regulatory requirements. You will also support prudent business growth by challenging first-line proposals, monitoring portfolio risk trends, and contributing to the continuous enhancement of credit risk frameworks and governance practices.

Your dream. Our focus.

East West Banking Corporation (EastWest) is one of the largest universal banks in the Philippines, and is committed to continuously invest in people and in process, product, and service enhancements, and embrace new ideas to enhance the EastWest experience.

We empower our employees to drive their careers and are committed to provide the runway for them to grow. We value teamwork and individual initiative. Join us and be part of a highly engaged team, and a workplace that promotes development and goal attainment.

Whether you're just starting out, or already a seasoned professional, EastWest can help you unleash your potential, and bridge the gap between dream to success.

What the role will entail

• Conduct independent reviews of credit proposals, renewals, restructurings, and amendments, ensuring alignment with the Bank's credit policies, underwriting standards, approval authorities, and regulatory requirements.
• Monitor assigned credit portfolios against risk appetite, limits, and early warning indicators, identifying emerging risks, adverse trends, and concentration exposures.
• Prepare credit risk assessments, reports, dashboards, and committee presentations, and ensure the timely escalation of material risk concerns and limit breaches.
• Partner with business units by providing balanced and well-supported risk perspectives, while participating in credit committees, portfolio reviews, and decision-making forums.
• Support the development and enhancement of credit risk policies, underwriting standards, frameworks, processes, tools, and methodologies to strengthen risk management practices.
• Promote strong credit governance through effective documentation, internal controls, regulatory compliance, and the timely resolution of audit and regulatory findings.
• Provide coaching and technical guidance to junior credit officers and contribute to the consistent application of credit risk standards across the organization.

What we're looking for

• Bachelor's degree in Business Administration, Finance, Accounting, Economics, Management, Industrial Engineering, Information Systems, or a related field; a Master's degree is highly preferred.
• At least 3 - 5 years of relevant credit risk or credit analysis experience for the Manager level, or 5 - 8 years of progressive credit risk experience, including complex credit exposures, for the Senior Manager level.
• Strong knowledge of credit analysis, financial statement analysis, risk rating methodologies, credit structures, portfolio risk management, and limit monitoring.
• Familiarity with banking regulations, credit policies, governance frameworks, and the interpretation of regulatory and internal risk requirements.
• Demonstrated sound judgment, independent thinking, effective challenge and stakeholder management skills, with strong communication abilities and attention to detail.

What you can expect from joining our team

• Career development and training opportunities
• Competitive salary package and benefits
• Performance-based incentives and recognition programs to reward high-performing individuals
• Opportunity to work with industry experts and be mentored by them
• Defined career progression paths to guide you in your professional growth