Enterprise Risk Specialist/Credit Assistant

4 weeks ago

Bacolod, Philippines Cagayan State University Full time
About the Role

As an Enterprise Risk Specialist/Credit Assistant , you are responsible for evaluating the borrowers or potential borrowers of the bank according to the inherent risks and opportunities that the bank may undertake. You will also recommend appropriate facilities with mitigants in place to safeguard the bank's interests.

How you will contribute
  1. Conduct interviews and ocular inspections with clients to determine their risk profile.
  2. Prepare credit proposals using gathered information and internal tools for presentation to CRECOM and EXCOM.
  3. Present credit proposals to CRECOM to assist the team in achieving its goals. Prepare financial analyses to assess clients' repayment capacity.
  4. Stay updated with the credit policy manual and risk bulletins to ensure compliance with the bank's policies.
  5. Collaborate with Relationship Managers during loan packaging, identifying credit risks and suitable mitigants for approval.
  6. Plan for interim extensions, client calls, or information gathering such as AFS, bank checkings, appraisals, etc., to ensure timely renewals and prevent expired lines.
What we’re looking for
  • Bachelor’s Degree in Business Studies, Administration, Management, Banking and Finance, Marketing, or related fields.
  • Knowledge of banking, financial evaluation/appraisal, accounting, audit, tax services, and investment industries.
  • Effective communication skills across all organizational levels and external parties; inquisitive mindset.
  • Basic accounting and credit policy knowledge; financial analysis skills; strong written communication.
  • Fresh graduates are welcome to apply.
About SecurityBank

Security Bank is one of the Philippines’ most capitalized private domestic universal banks, established in 1951 and listed on the Philippine Stock Exchange (PSE:SECB) in 1995. Our major businesses include retail, corporate, commercial, and MSME banking.

Recognized as an Employer of Choice in Philippine banking, we are known for our values-based culture, industry-leading engagement, benefits, and commitment to work-life balance.

Recently, we ranked as the #2 best employer in the Philippines and #54 globally on Forbes’ World’s Best Employers 2023 list.

At Security Bank, our Human Capital Management (HCM) approach is embodied by our Employee Value Proposition (EVP): “YOU matter .”

Start your BetterBanking career with us today.

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