Credit Officer

2 days ago

Makati City, National Capital Region, Philippines Philsearch Consulting, Inc. Full time ₱600,000 - ₱1,200,000 per year

Job Title: Credit Officer

Job Purpose

To assess, process, and monitor credit applications and portfolios in accordance with bank policies, regulatory requirements, and risk appetite, ensuring that loans are granted to creditworthy applicants and that the bank's exposure to credit risk is minimized.

Key Responsibilities

Credit Evaluation & Approval

  • Review and assess loan applications ( home, business) for creditworthiness.
  • Analyze financial statements, repayment capacity, cash flows, collateral, and credit history.
  • Use credit scoring or risk rating models to determine risk levels.
  • Determine whether to approve applications within delegated authority; refer higher-risk or larger deals to relevant approving authority.

Documentation & Compliance

  • Ensure all required documentation and collateral paperwork are complete, accurate, and compliant with bank policy.
  • Verify legal, regulatory, KYC (Know Your Customer), AML (Anti-Money Laundering) requirements and other compliance-related checks.
  • Ensure adherence to turnaround times (TAT) as set by policy.

Risk Monitoring & Portfolio Management

  • Monitor performance of credit portfolio, including delinquency, arrears, non-performing loans.
  • Identify early-warning signs of credit deterioration.
  • Recommend remedial actions, restructuring, or write-offs where necessary.

Reporting & Analysis

  • Prepare credit proposals, memos, or recommendation papers.
  • Produce reports on credit quality, risk metrics, portfolio trends.
  • Maintain accurate credit records and data in system (loan tracking, risk rating updates).

Coordination

  • Work closely with branches, legal, operations, collections, and risk teams to ensure seamless credit lifecycle.
  • Coordinate with internal stakeholders for approval escalations or exceptions.

Customer Interaction

  • Meet with applicants or borrowers to clarify credit requirements, collect necessary data, explain terms and conditions.
  • Negotiate terms where possible (interest rates, payment schedules, collateral).

Policy & Process Improvement

  • Suggest process improvements to enhance efficiency and reduce risk.
  • Keep updated with regulatory changes as well as best practices in credit risk management.

Qualifications / Requirements

  • Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field.
  • Experience: usually 2-5 years in credit underwriting, credit analysis or related banking / finance roles (can vary depending on seniority).
  • Strong analytical skills; ability to assess financial statements, cash flows, and risk factors.
  • Good understanding of collateral valuation, credit scoring, risk rating.
  • Familiarity with banking regulations, KYC/AML requirements.
  • Strong attention to detail and high level of integrity.
  • Proficient with MS Office (especially Excel), credit/loan processing

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