Credit Group Opportunities
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Exciting Opportunity from our Credit Group!
Credit Portfolio Manager for the following locations:
- Luzon: Cauayan | Naga | Laguna
- Metro Manila: Binondo | BGC
- VisMin: Cebu | Cagayan De Oro | Davao
Credit Review Officer for Metro Manila & Countryside:
- Luzon: Cabanatuan | Tarlac | San Fernando - Pampanga | Laguna | Batangas
- Metro Manila: Caloocan | Binondo | BGC | Makati
- VisMin: Cebu | Iloilo | General Santos | Zamboanga
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Position Title: Credit Review Officer
Job Summary:
- Preparation and credit assessment of loan proposals and corresponding borrowers
- Credit Risk and Portfolio Management
- Conformity to internal and external policies
Role Exposure:
- Should ensure consistent and advance coordination with Institutional Banking Segment (IBS) counterparts on the timely submission of pre-approval documents, and the active management of his/her assigned portfolio of accounts together with the lending officer
- Prepares the Evaluation and Recommendation for Credit Accommodation (ERCA) for credit line renewals of IBS accounts according to policy and in compliance with the agreed Service Level Agreement (SLA) with IBS
- Validates data provided by lending units as part of the credit assessment
- Assess the related collateral and documentation deviations and necessary mitigations in relation to the credit assessment
- Identify all relevant policy and regulatory deviations to arrive at a fair assessment of the overall risks and make the appropriate recommendations
- Prepare the financial spreadsheet and financial evaluation of new borrowing clients. May be asked to evaluate the ERCA prepared by IBS for the establishment of its credit facilities
- Determine and assess credit risk rating and classification and ensure these are appropriate and relevant at all times
Qualifications:
- Graduate of Accountancy, Accounting Management, Math, Statistics, Financial Management and Economics
- At least 3 years working experience in credit with focus on commercial, corporate loans, and consumer loans
- Knowledgeable in credit risk analysis
- Strong quantitative and analytical skills
- Must have a pro-active approach to problem solving and the ability to meet tight deadlines
- Experienced commercial / corporate Credit Analyst
- Experienced commercial / corporate Relationship Manager (willing to do Credit)
- Experienced Certified Public Accountant (CPA) from top accounting firms
- Experienced Credit Officers handling commercial and consumer loans
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Position Title: Credit Portfolio Manager
Job Summary:
- Effectively operates, implements initial remedial management measures, as well as, the overall strong credit risk management in the Credit Support Unit. Scope of work covers accounts coming from the Branch Lending Units and the Branches
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
- Guarantees quality and timely completion of account renewals, evaluation of prospective borrowers and various credit requests and reports
- Appropriately assess credit risk ratings and classifications and demonstrates strict compliance to documentation and bank policies
- Performs effective portfolio management, recognizes potential issues that requires immediate attention or escalation, and initiates remedial management efforts for non-performing loans of accounts showing signs of weakness
- Ensures effective performance management of the team against set KRAs
- Coordinates with Human Resource partners to ensure adequate talent is available and honed with well-thought-out career development programs
- Compliance with the bank's Business Continuity Program
- Handles any and all audit-related exercises in coordination with other business units (IBS, Credit Risk, Compliance)
- Partners with Credit Administration Department, Credit Control and Documentation Division, Credit Investigation and Appraisal Division, 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, overall supervision of the Credit personnel and 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