Senior Credit Risk Analyst – Commercial & Corporate

Metrobank; Cebu City; On-site; PHP 600,000 - 850,000; Full time

Job summary

Metrobank in the Philippines seeks a Credit Review Officer to conduct comprehensive credit assessments of commercial and corporate borrowers, evaluate loan proposals, and provide independent credit recommendations that support sound lending decisions.

The role requires collaboration with Institutional Banking Segment and Lending Officers to manage accounts, prepare ERCAs, validate data, assess collateral, and ensure compliance with internal policies and risk governance standards.

Qualifications

• Must have strong credit risk analysis and assessment capabilities.
• Solid financial analysis and modeling skills are required.
• Ability to evaluate credit data and prepare clear recommendations.

Responsibilities

• Coordinate with Institutional Banking Segment for pre-approval documents and account management with Lending Officers.
• Prepare ERCA evaluations for renewal of IBS credit facilities per policy and SLAs.
• Validate data submitted by lending units during credit evaluation.
• Assess collateral-related concerns and related controls in credit reviews.
• Identify policy/regulatory exceptions to ensure risk-balanced recommendations.
• Prepare financial analyses for new borrowers and review ERCAs for facility establishment.
• Determine and monitor credit risk ratings and classifications.

Skills

Credit risk analysis

Financial analysis

Quantitative skills

Problem solving

Prioritization

Education

Bachelor's degree

Job description

Metrobank in the Philippines seeks a Credit Review Officer to conduct comprehensive credit assessments of commercial and corporate borrowers, evaluate loan proposals, and provide independent credit recommendations that support sound lending decisions.

The role requires collaboration with Institutional Banking Segment and Lending Officers to manage accounts, prepare ERCAs, validate data, assess collateral, and ensure compliance with internal policies and risk governance standards.