Credit Risk Department Head

1 day ago

Makati City, National Capital Region, Philippines ZMG Ward Howell Full time $900,000 - $1,200,000 per year

The position primarily is responsible for overseeing and managing the credit risks associated with extending credit to individuals or business clients. The position shall ensure a balanced approach to all credit decisions to avoid potential financial loss resulting from borrower default.

Key Responsibilities:

Credit Risk Management

  • Develops credit risk programs that outline the criteria for credit approval, terms and conditions, and credit limits.
  • Implements credit policies and procedures that align with the risk threshold and regulatory requirements.
  • Oversees the credit underwriting process to ensure that proper due diligence is conducted before approving any credit applications.
  • Determines the level of risk associated with extending credit to borrowers.
  • Monitors the credit portfolio to identify early signs of credit imbalance.
  • Analyzes the performance of existing loans and takes appropriate actions to mitigate the risks.

Reporting and Compliance

  • Ensures compliance with relevant laws and regulations related to credit risk management and other local regulatory guidelines.
  • Provide insights to the overall credit risk profile and performance of the credit portfolio.
  • Collaborates with the business units and credit operations team to manage and reduce delinquency rates as well as minimize losses due to payment default.
  • Reviews reports on credit risk metrics and presents them to Management and Board of Directors.

Management Leadership

  • Recommends plans, programs, budget, and performance targets of the department.
  • Plans, directs, and coordinates all activities in the department to reach maximum level of employee productivity throughout the workforce.
  • Provides upfront leadership in supervising all direct and indirect reports and planning for their career advancement and aspirations.
  • Supervises and evaluates the performance of all direct report/s.

Qualifications:

  • Graduate of finance, accounting, economics, business administration, or any related field.
  • At least five (5) years of work experience in credit risk management.

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