Credit Risk Officer - Commercial Credit Review Department
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Position Title: Credit Risk Officer – Commercial Credit Review Department
Job Summary:
- Plans, designs and directs a comprehensive credit review plan of the Bank’s various lending units. This includes preparation of preliminary credit review strategies and portfolio risk profile, and identification of areas of specific concern and accounts for review based on sampling rationale.
- Provides an independent assessment of a lending unit’s adherence to the Bank’s credit policies and procedures and identifies any deficiencies and findings on key control areas such as portfolio quality, credit initiation and underwriting, and problem recognition and remedial management.
- Independently validates the risk rating/classification assigned to sampled accounts and assigns appropriate risk rating/classification based on material developments and credit factors.
- Recommends appropriate monitoring strategies and action plans on sampled accounts that are considered high risk. These include plans that are in accordance with the Bank’s guidelines.
- Reports the remaining deficiencies, findings, the credit review rating as well as the recommendations to senior and line management and to other stakeholders.
- Evaluates request for change of account classification submitted by the lending unit and assigns appropriate risk rating/classification based on material developments and credit factors.
- Performs other related functions that may be assigned from time to time.
Role Exposure:
- Work on challenging and impactful projects that contribute to the Bank's growth and success
- Participate in cross-functional teamwork, fostering collaboration and creativity, and receive personalized career coaching and mentoring to chart your professional growth path
- Enjoy competitive perks and benefits that reward your hard work and dedication
Qualifications:
- With extensive experience in commercial credit as a credit evaluator, auditor, or any related position
- Proficient in credit policies and procedures for commercial loans
- Proactive, self-driven, and a team player
- With excellent presentation skills
- Ability to interact effectively with various stakeholders within the bank
- Willing to do field work in the countryside
Other Details:
Rank: Junior Officer
Unit: Risk Management Group / Credit Risk Division / Commercial Credit Review Department
Location: Metrobank Center, BGC
Work Set-up: Monday to Friday, Onsite