Credit Officer

7 days ago

Metro Manila Philippines Buscojobs Full time

Job Description

The position is primarily responsible for the credit evaluation and credit decision for all consumer products (Credit Cards, Auto Loans, Home Loans & Personal Loans) applications received and processed.

Responsibilities:

  • Evaluates application based on available data, deduped results and verified information.
  • Renders appropriate credit decisions and performs system confirmation if within credit delegated authority.
  • Recommends credit decision and forwards application to the appropriate approver for system confirmation for applications not within the credit delegated authority.
  • Updates / checks the accuracy of data encoded in the system prior to confirmation of decided applications.
  • Prepares and submits an accurate Daily Productivity Reports on a timely manner.

Qualifications:

  • Must be a bachelor's degree holder.
  • At least 2 years of experience in retail credit review.
  • Good understanding of basic credit card system / solutions.
  • Willing to work on site and be assigned in Ortigas.

Other responsibilities and qualifications may include:

  • Conducting client interviews and site inspections to evaluate credit risk.
  • Preparing detailed financial analyses to assess a client's repayment capacity.
  • Drafting in-depth credit proposals with supporting data and documentation.
  • Monitoring credit portfolio performance and managing overdue accounts.
  • Ensuring compliance with internal credit policies and regulatory requirements.
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