Loan Department Head

3 days ago

Cavite City, Calabarzon, Philippines HRTX Full time ₱2,000,000 - ₱2,500,000 per year

Job Title: Loan Management Department Head

Department: Loan Management

Location: Cavite

Work Schedule: Morning, On-site

Responsible for the overall management of the banks asset and loan portfolio to ensure effective implementation of credit control functions. Oversees non-performing loans, acquired assets, loan provisioning, and concentration risks, while ensuring compliance with internal credit policies and regulatory standards.

Supervises:

  • Credit Admin Officer
  • Credit Analyst
  • Collection and Acquired Asset Management Section Head

*III. Duties and Responsibilities

Planning and Direction-Setting*

  • Develop and implement annual operating and business plans aligned with strategic objectives
  • Formulate credit risk management strategies (short-term and long-term)
  • Create, review, and update credit policies, procedures, and bulletins

*Bank Asset and Loan Portfolio Management*

  • Oversee loan pricing/re-pricing, allowance for credit losses, and loan loss provisioning
  • Revise credit policies based on reviews and analytics to manage risk
  • Manage credit portfolios including NPLs, ROPA, and restructured loans
  • Conduct regular credit and portfolio performance reviews
  • Ensure compliance with regulatory portfolio limits (e.g., SBL, concentration risk)

*Risk Management and Reporting*

  • Identify opportunities to improve risk decision-making through data modeling and analytics
  • Participate in the development of credit scoring and risk rating models
  • Monitor, calibrate, and enhance ECL models and credit scorecards
  • Approve recovery plans for delinquent loans
  • Prepare and present credit risk reports to the Risk Committee
  • Address audit findings and regulatory compliance issues

*Leadership and Management*

  • Propose departmental goals, budgets, and performance metrics
  • Direct and coordinate team activities for operational effectiveness
  • Guide the career growth and performance of team members
  • Approve time-off and oversee work schedules of direct reports

*Others*

  • Stay updated on industry trends and economic factors influencing credit risk
  • Recommend process improvements and maintain up-to-date manuals
  • Actively engage in meetings, training, and development activities
  • Perform other tasks as assigned

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