Credit Review Officer
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Credit Review Officer - Makati
We are looking for a Credit Review Officer for our local bank client in Makati.
Setup: Onsite
Location: Makati
Salary: 35k to 50k
Industry: Banking
Responsible for independently evaluating the credit quality and credit process of the bank, identifying unnecessary credit risk in the loan portfolios, confirming the effectiveness of loan grading, and effectively communicating findings to the management at the same time providing a force for positive change in the bank.
Specific Functions
- Conduct credit review and identify gaps in underwriting, approval, monitoring, relationship management, and credit administration activities of the commercial loan portfolio
- Validate credit/financial information to verify the creditworthiness of the borrower/guarantors and the validity of the loan/credit relationship
- Validate selected loan and collateral documentation for adequacy and adherence to loan policy
- Prepare periodic Risk Assessments to validate or revise the risk-based ranking
- Assist in the development, implementation, and oversight of ongoing risk-based credit review
- Identify existing and/or emerging issues relating to credit quality and risk
- Communicate with loan officers, underwriters, credit admin, and other management, providing helpful feedback based on the results of the credit review
- Own and manage follow-up items resulting from the review and report the resolutions of those items
- Conduct stress-test and recommend policy enhancements based on the results of the credit review
Qualifications and Educational Requirements
- Education: College Degree, preferably in Accounting, Finance, Economics, or related fields
- Minimum of 2 years of loan review, commercial lending, commercial loan underwriting, and/or commercial loan portfolio management experience