Credit Policy Officer

3 weeks ago


Makati, Philippines RCBC Full time

Credit Policy Officer

RCBC Makati, National Capital Region, Philippines

Job Summary:

To assist Credit Policy Head in:

  • Ensuring the development and/or updating as well as the issuance of the relevant guidelines/policies (and procedures as necessary) governing the lending activities of the Bank.
  • Fulfillment of Credit oversight in reviewing credit policies from RCBC Bankard, PPCs and attending credit committee/ portfolio review meetings
  • Monitoring of policy deviations and exceptions, ensure proper approvals were secured, and that deviations remain within approved limits.
  • Adjust credit policies based on delinquency trends, business targets and regulatory changes.

How will you contribute:

Credit Policy Formulation and/or Updating:

  • Assist in conceptualization, formulation, and/or updating of the guidelines/policies and procedures governing the credit or lending activities of the Bank
  • Ensure annual updating of Credit Policy Manuals
  • Assist in addressing relevant internal and external audit findings via issuance and/or updating of credit policies and implementing guidelines.
  • Provide guidance to internal customers in the interpretation and implementation of the provisions of the approved credit guidelines/policies as issued via the Riz Library.
  • Assist in conducting town halls, roadshows and similar activities meant for promulgation and clarification of the latest credit policies

Exceptions Handling and Monitoring

  • Ensure exceptions/ deviations to credit policy are monitored regularly, duly approved by delegated authority, remains within acceptable levels relative to total portfolio, and reported regularly to relevant units and Senior Management.
  • Implement policy changes to minimize exceptions and improve approval process of exceptions, while remaining aligned with the credit risk appetite of the Bank.

Insurance Companies Accreditation:

  • Conduct annual review/evaluation of the accreditation of insurance companies in accordance with internal policies and conditions of the approval.
  • Work with and coordinate with various units involved in gathering information needed to accredit the companies, as well as in cascading to concerned units the prescribed risk limits of accredited companies

Operations Manual, Policies and Procedures Review:

  • Review the other Lending/Business Units’ Operations Manuals, guidelines/policies and procedures as may be assigned to ensure salient matters specifically regarding credit related matters (as deemed applicable) are considered and/or addressed.

Credit Policy Oversight:

  • Assist in reviewing and endorsing for approval Credit Policy proposals from the RCBC Bankard Services Corp (RBSC) Credit Policy Group
  • Attend monthly Portfolio Reviews and Credit Committee Meetings of various Lending Groups as delegated or in the absence of Credit Policy Head

What will make you successful:

  • A bachelor's degree in Business Administration, Economics, Management and Finance. Post-graduate degree and/or relevant trainings are an advantage.
  • Must have a strong working knowledge in the development of policies related to commercial, corporate, SME loans, and consumer loans.
  • Significant exposure in the credit cycle for business/consumer loans, knowledge in BSP regulations and best practices in the industry
  • With previous experience as a Relationship Manager/Marketing Assistant, Loans Operations or Credit Analyst for Commercial Loans preferred.
  • At least three (3) years experience in policy formulation and/or in any credit related functions.
#J-18808-Ljbffr
  • Credit Policy Officer

    2 weeks ago


    Makati, Philippines RCBC Full time

    Job Summary To assist Credit Policy Head in: Ensuring the development and/or updating as well as the issuance of the relevant guidelines/policies (and procedures as necessary) governing the lending activities of the Bank. Fulfillment of Credit oversight in reviewing credit policies from RCBC Bankard, PPCs and attending credit committee/ portfolio review...

  • Credit Investigator

    4 days ago


    Makati City, National Capital Region, Philippines Moritz Credit Corporation Full time ₱217,920 per year

    The Credit Investigator is responsible for conducting background checks, field verifications, and on-site investigations to evaluate the creditworthiness of loan applicants. The role involves verifying client information, assessing collateral, and preparing accurate reports to support sound lending decisions.Key ResponsibilitiesConduct field investigations...

  • Credit Counselor

    4 weeks ago


    Makati City, Philippines Moritz Credit Corporation Full time

    Credit Counselor handles delinquent accounts, negotiates payments, supports retention, generates referrals, and ensures compliant documentation. Key Responsibilities: - Loan Processing - Collection and Field Recovery - Marketing & Client Relationship - Regulatory & Policy Compliance Qualifications: - College Undergraduate/ High School Graduate -...

  • Credit Officer

    2 weeks ago


    Makati City, National Capital Region, Philippines Toyota Financial Services Full time ₱1,200,000 - ₱1,800,000 per year

    Ensures that all processes/transactions/decisions are in accordance with established TFSPH policies, credit requirements and that required turnaround times are met.New ClientPre-screen application whether for fast track or regular processingReview the completeness and correctness of Auto Loan Evaluation Worksheet and Credit Review and Analysis Memorandum(for...


  • Makati City, National Capital Region, Philippines Credit Corp Full time A$40,000 - A$80,000 per year

    All Work types Full-time (1)All Locations Manila - Makati City (1)All Categories Collections (1) Customer Service & Call Centre (1)Customer Service Officer - WizitApply nowJob no:494949Work type:Full-timeLocation:Manila - Makati CityCategories:Collections, Customer Service & Call CentreStart and grow your career within the financial services industry with...

  • Credit Analyst

    4 weeks ago


    Makati, Philippines CSC Full time

    Our company is urgently looking to fill the position of Credit Analyst. Qualifications: - Bachelors degree in Accounting, banking, finance, or related field. - Previous work experience as a credit analyst or loan officer is an advantage. - Familiar with the relevant tools to evaluate credit applications and common industry consumer credit policies and...

  • Credit Analyst

    2 weeks ago


    Makati, Philippines Trans Asiatic Finance Inc. Full time

    Qualifications: - Bachelors degree in Accounting, banking, finance, or related field. - Previous work experience as a credit analyst or loan officer is an advantage. - Familiar with the relevant tools to evaluate credit applications and common industry consumer credit policies and standards.

  • Credit Analyst

    4 weeks ago


    Makati, Philippines Trans Asiatic Finance Inc. Full time

    Qualifications: - Bachelors degree in Accounting, banking, finance, or related field. - Previous work experience as a credit analyst or loan officer is an advantage. - Familiar with the relevant tools to evaluate credit applications and common industry consumer credit policies and standards.


  • Makati, Philippines Credit Corp Full time

    Be a part of Australia's largest promoter of financial inclusion with 2200+ people across the globe. What is Wizit, you ask? Wizit is an exciting new suite of lending products that offer our customers three, convenient ways to pay: Wizitpay – BNPL, pay in 4 with up to $500 to spend Wizitcard – A credit card with up to $1,000. Interest free forever...

  • Credit Underwriter

    3 weeks ago


    Makati, Philippines Top Bank Philippines Full time

    Responsibilities Responsibilities include evaluating loan applications, analyzing credit reports, assessing financial risks, and ensuring compliance with lending policies. Evaluate credit applications and analyze financial documents. Assess borrower creditworthiness and risk factors. Ensure compliance with lending policies and regulations. Collaborate with...