CBS - DECISIONS OFFICER

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Position Title:  Decisions Officer

Job Summary

• Responsible for evaluating and deciding on retail credit risks involving credit card applications using the credit parameters set forth by the Bank and external regulators (e.g. BSP).

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Specific Duties & Responsibilities

• Conduct a sound and tight credit evaluation of credit card applicants through an objective/impartial assessment of their personal and professional profile (character, management/financials, product lines or business lines) using the credit parameters set forth by the Bank
• Exercises judgement whether application being reviewed/evaluated will be recommended for approval, disapproval or place on hold pending submission of other requirements or further checking are still to be conducted  and ensures that approval of proper authority is sought on cases of deviations from the approved guidelines:
• Decides based on the merits of the account and deviations within delegated authority limits
• Uses ILAPS in reviewing borrower’s profile,  capacity  to pay  and  acceptability of collateral  
• Checks  correct  total  exposure,  exposes  deviations and ensures  that   proper  justifications and  mitigants  are  provided   and   appropriate approval  is  sought
• Reviews validated checking/information gathered conducted by Credit Verifiers (CVs)
• Assists  in  follow-ups and  requests for additional checking which is necessary for the account
• Prepares appropriate approval media for routing to credit committees
• Maintain an effective and cordial relationship with the lending and marketing units by:
  •  Recommends  or  make  a  decision  to either  approve or  disapprove  an account highlighting  both the  merits and  red flags on the account

     

  • Assisting them on inquiries pertaining to status of retail accounts and requirements

     

  • Informing them of the possible risks involved in major reconsideration request by highlighting deviations accordingly

     

  • Discussing and suggesting ways to adequately cover the Bank from marginal risk account brought about by marketing considerations

     

     

• Provide pro-active feedback on credit processes, criteria, policies and procedures which become input for changes in the lending programs
• Addresses queries regarding validation and evaluation concerns
• Ensures updated knowledge/learning on significant industry events and how it affects financial conditions of borrowing clients
• Can assist in the conduct of UAT (User Acceptance Test) – for ILAPS enhancements

   

• Must support the initiatives/projects of the section which aims to  improve the  workflow,  monitoring and  productivity of the team.

• Performs other related functions that may be assigned from time to time

Qualifications:

• Bachelor’s degree holder; preferably graduate of business course
• Atleast   2-3   years working experience in the banking industry, preferably credit cards.
• Has a broad understanding on retail consumer business
• Proficient in the following Microsoft applications: Word, Excel and PowerPoint
• Credit and  Financial Analysis

Other Details:

Rank: Junior Officer

Unit: Consumer Business Sector / Credit Operations Group / Credit Acquisition Division

Location:  Ayala, Makati