Risk Officer (Credit Risk)

East West Banking Corporation; Taguig; Hybrid; PHP 1,200,000 - 2,100,000; Full time

Job summary

East West Banking Corporation invites applications for a Risk Officer (Credit Risk) in Taguig. The role focuses on independent risk review, analysis, and oversight of credit exposures, ensuring decisions align with risk appetite, policies, and regulations.

The team emphasizes prudent growth and governance practices. The candidate should have strong credit analysis and portfolio risk management skills, with a background in consumer lending preferred, and track record in engaging with

Qualifications

• 3–5 years of credit risk or credit analysis experience (Manager level)
• 5–8 years of progressive credit risk experience, including complex exposures (Senior Manager level)
• Strong knowledge of credit analysis, financial statement analysis, risk rating methodologies, credit structures, portfolio risk management, and limit monitoring

Responsibilities

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

Skills

Credit analysis

Financial statement analysis

Risk management

Regulatory knowledge

Communication skills

Independent thinking

Education

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

Master's degree preferred

Job description

Corporate Level

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.

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

• Experience in Consumer Lending is preferred.
• 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

To know more about us, and our career opportunities visit https://careers-page.com/eastwest-bank