Senior Credit Risk Analyst — Corporate & Commercial Loans

Metrobank; Caloocan; On-site; PHP 600,000 - 900,000; Full time

Job summary

Metrobank in the Philippines is seeking a Commercial Credit Analyst to assess loan proposals and manage IBS accounts with accuracy and policy compliance.

You will prepare ERCA for renewals, validate data from lending units, assess collateral deviations, and support risk rating decisions within SLA guidelines. The role requires strong analytical skills and CPA or accounting background; experience in commercial lending is preferred.

Qualifications

• Graduate of Accountancy, Accounting, Math, or Economics.
• At least 3 years in credit with focus on commercial/corporate loans.
• Knowledgeable in credit risk analysis.
• Strong quantitative and analytical skills.
• Pro-active problem solving and ability to meet tight deadlines.
• CPA qualification is preferred.
• Experience as corporate Credit Analyst or Relationship Manager.
• Experience as Credit Officer handling commercial loans.

Responsibilities

• Coordinate with IBS on timely submission of pre-approval documents and manage assigned accounts with the lending officer.
• Prepare ERCA for credit line renewals of IBS accounts per policy and SLA.
• Validate data provided by lending units as part of credit assessment.
• Assess collateral and documentation deviations and related mitigations.
• Identify policy and regulatory deviations to ensure fair risk assessment.
• Prepare financial spreadsheets and evaluate new borrowing clients; may evaluate ERCA.
• Determine and assess credit risk rating and ensure timely relevance.

Skills

Credit risk

Quantitative analysis

Data validation

Problem solving

Deadline-driven

Communication

Education

CPA

Accounting/Finance degree

Tools

Excel

Job description

Metrobank in the Philippines is seeking a Commercial Credit Analyst to assess loan proposals and manage IBS accounts with accuracy and policy compliance.

You will prepare ERCA for renewals, validate data from lending units, assess collateral deviations, and support risk rating decisions within SLA guidelines. The role requires strong analytical skills and CPA or accounting background; experience in commercial lending is preferred.