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Credit Portfolio Manager

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Position Title: Credit Portolio Manager

Job Summary:

Effectively operates, implements initial remedial management measures, as well as, the overall strong credit risk management in the Credit Support Unit. Scopre of work covers acconts coming from the Branch Lending Units and the Branches

Role Exposure:

In Charge of screening the branch portfolio in the assigned area to determine the unit which should appropriately handle the accounts (whether Acct. Mgmt. Group, Branch Lending Group or SAMG) using the prescribed parameters.
Reviews and supervises the analysis & evaluation of loan accounts from the Branch Lending Units (P5MM and above) and those coming from the Branches (below P5mm) using various credit tools/documents in order to asses the credit worthiness of existing and prospective borrowers.
Ensures that all credit proposals are accompanied by Internal Credit Risk Rating Sheets, that all credit risk rating and classifications are assessed appropriately and in a timely manner.
Ensures that related credit monitoring are done in a timely manner, including but not limited to monitoring and assessing of financial and business performance on periodic basis for challenged credits.
Ensure that Credit Review Officers and Credit Evaluators are trained and well equipped to perform quality credit assessments.
Perform credit calls with IBS Partners
Partners with DCMD to ensure that loan documentation process is in order.
Ensures effective portfolio management; stays on top of the accounts, including initiating remedial management efforts for non-performing loans or accounts showing signs of weakness.
Coordinates with the recommending unit and Law Division to ascertain accuracy and completeness of data and recommendations to be submitted to the NPAC for appropriate action.
Performs administrative duties and overall supervision of the CSU personnel.
Performs other related functions that may be assigned from time to time.

Qualifications:

Graduate of any Business-related courses, preferably Economics, Accounting or Finance
At least 3 years working experience in credit with focus on commercial and corporate loans
With People Manager experience
Must have a pro-active approach to problem solving and the ability to meet tight deadlines

Other Details:

Rank: Junior Officer

Unit: Credit Group

Location: Manila

Be #InGoodHands with Metrobank!

With Metrobank, a meaningful life is within your reach!

Position Title: Credit Portfolio Manager

Job Summary

Heads the Credit Support Unit, providing overall strong credit risk management which includes the proper evaluation of credit proposals, portfolio risk management, supervision & training of Credit Review Officers and Credit Evaluators. Scope of work covers accounts coming from Lending Units

Role Exposure

Supervises and reviews the analysis & evaluation of loan proposals from Lending Units using various credit tools/information/documents, ensuring an appropriate and holistic credit risk/mitigant assessment in determining the creditworthiness of existing and prospective borrowers.
Ensures that account renewals, evaluation of prospective borrowers, evaluation of various other credit requests, and completion of reports, are done with quality and accomplished within the prescribed turnaround times.
Ensures that all credit risk ratings and classifications are assessed appropriately and in a timely manner, and that all credit proposals are accompanied by required documents and information in compliance with Bank policies.
Ensures effective portfolio management; stays on top of the accounts, including regular and timely credit monitoring & escalation of issues/accounts that need urgent disposition/ attention to enable early problem recognition, and initiating remedial management efforts for non-performing loans or accounts showing signs of weakness.
Ensures effective performance management of the team against set KRAs
In coordination with our HRMG partners, ensures that the unit has an adequate supply of highly skilled personnel for future business and succession requirements through a well-thought-out people development/training and career strategy plans.
Ensures readiness and compliance with the Bank’s Business Continuity Program.
Handle any and all audit-related exercises in coordination with other business units (IBS, Credit Risk, Compliance)
Partners with CRG-Secretariat, DCMD CRIAD, LEGAL (or with other relevant units) to ensure that proposals have the appropriate approvals, loan documentation process is in order and collateral/policy deviations are mitigated, among other things.
Performs administrative duties and overall supervision of the Credit personnel.
Performs other related functions that may be assigned from time to time.

Qualifications

Graduate of any Business- related courses, preferably Economics, Accounting or Finance
At least 5 years working experience in credit with focus on commercial and corporate loans
With People Manager experience
Must have a pro-active approach to problem solving and the ability to meet tight deadlines

Other Details

Rank: Junior Officer – Senior Officer

Unit: Credit Group / Commercial Credit

Location: Metro Manila

Work Set-up: Monday to Friday, Onsite

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