Credit Evaluator

7 days ago

Mandaluyong City, National Capital Region, Philippines Bank of Commerce (Philippines) Full time

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TA Officer | Jr. Assistant Manager | Subject Matter Expert at Bank of Commerce

I. JOB SUMMARY:

Primarily responsible for the following:

  • Thorough evaluation of auto loan applications received by the Division, ensuring that all applications processed, evaluated, and recommended for approval are in compliance with the Bank's existing credit policies, procedures, and regulatory requirements.
  • Prepares and recommends credit proposals (Approval Memo).
  • Ensures that loan applications are processed within the set turnaround time.

II. DUTIES AND RESPONSIBILITIES:

  1. Reviews all applications that passed the pre-screening criteria conducted by the Credit Analyst by ensuring that all applications have been:
    1. Checked against the Bank's Negative Files (CMAP/NFIS/MOSAIC VOYAGER).
    2. Checked against the Bank's Internal Files (BDS – relationship with the Bank, if any).
  2. Responsible for validating the accuracy of the information declared by the Borrower to detect possible fraud applications through prudent review of submitted documents and by conducting the following verification processes:
    1. Interviews the Principal Borrower to validate information reflected in the submitted loan application form.
    2. Obtains additional information from the Borrower to further determine their capacity to pay and credit records based on:
      1. Other sources of income aside from the one declared in the application form.
      2. Deposit and credit dealings with other banks.
    3. Conducts third-party phone verification on the Borrower's:
      1. Employer (if employed) to confirm details of employment.
      2. Credit records with other banks to determine repayment handling, to the extent possible.
      3. Trade references (if self-employed) to establish volume of transactions and credit experiences.
    4. Determines additional verification to be conducted through field credit investigation procedures such as:
      1. Residence and neighborhood checking to confirm residency from third-party sources such as Homeowner's Association, Building Administration, employment records, or Bank records.
      2. Business verification for self-employed borrowers to confirm existence and stability of operation.
      3. Employment verification for employed borrowers if an actual field visit is being required by the employer.
  3. Edits encoded data in the LOS based on verified/validated information and conducts final credit scoring.
  4. Decides whether to reject or continue the processing of applications based on the overall credit risk profile of the Borrower acceptable to the Bank.
  5. Evaluates Channel Manager's justifications on previously rejected applications requesting reconsideration.
  6. Prepares Loan Approval Memo to be routed for approval to the appropriate authorities of the Bank.
  7. Ensures that credit decisions are in compliance with processing guidelines, procedures, and Bank's credit policies and risk appetite.
  8. Ensures that all received applications are processed within the set Turn-Around Time.
  9. Consults Section Head or Division Head regarding sensitive work problems/concerns of unusual occurrences that do not conform to the standard procedures.
  10. Investigates complaints from various units/departments regarding erroneous data capture, slow processing time, and gives feedback to the concerned party.
  11. Ensures the security of documents and files in their possession.
  12. Ensures accurate and timely preparation and submission of reports, as requested by superiors.
  13. Performs other functions as may be assigned from time to time according to the established productivity and service quality standards.
Seniority level

Mid-Senior level

Employment type

Full-time

Job function

Analyst and Customer Service

Industries

Banking

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