Credit Portfolio Manager

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Here at Metrobank, we don't simply hire employees-we hone future leaders. We provide opportunities that enhance your skills and unlock your talents, helping you evolve into a well-rounded individual. We supply you with all the pieces you need to do your best work, unleashing your full potential to help you secure your future and lead a fulfilling career. And with Metrobank's strong heart for the community, you have the chance to give back and make worthwhile contributions to our nation's economic and social development.

With Metrobank, a meaningful life is within your reach

Position Title: Credit Portolio Manager

Job Summary:

Effectively operates, implements initial remedial management measures, as well as, the overall strong credit risk management in the Credit Support Unit. Scopre of work covers acconts coming from the Branch Lending Units and the Branches

Role Exposure:

• In Charge of screening the branch portfolio in the assigned area to determine the unit which should appropriately handle the accounts (whether Acct. Mgmt. Group, Branch Lending Group or SAMG) using the prescribed parameters.
• Reviews and supervises the analysis & evaluation of loan accounts from the Branch Lending Units (P5MM and above) and those coming from the Branches (below P5mm) using various credit tools/documents in order to asses the credit worthiness of existing and prospective borrowers.
• Ensures that all credit proposals are accompanied by Internal Credit Risk Rating Sheets, that all credit risk rating and classifications are assessed appropriately and in a timely manner.
• Ensures that related credit monitoring are done in a timely manner, including but not limited to monitoring and assessing of financial and business performance on periodic basis for challenged credits.
• Ensure that Credit Review Officers and Credit Evaluators are trained and well equipped to perform quality credit assessments.
• Perform credit calls with IBS Partners
• Partners with DCMD to ensure that loan documentation process is in order.
• Ensures effective portfolio management; stays on top of the accounts, including initiating remedial management efforts for non-performing loans or accounts showing signs of weakness.
• Coordinates with the recommending unit and Law Division to ascertain accuracy and completeness of data and recommendations to be submitted to the NPAC for appropriate action.
• Performs administrative duties and overall supervision of the CSU personnel.
• Performs other related functions that may be assigned from time to time.

• Graduate of any Business-related courses, preferably Economics, Accounting or Finance
• At least 3 years working experience in credit with focus on commercial and corporate loans
• With People Manager experience
• Must have a pro-active approach to problem solving and the ability to meet tight deadlines

Rank: Junior Officer

Unit: Credit Group

Location: Manila

Be #InGoodHands with Metrobank

Here at Metrobank, we don't simply hire employees-we hone future leaders. We provide opportunities that enhance your skills and unlock your talents, helping you evolve into a well-rounded individual. We supply you with all the pieces you need to do your best work, unleashing your full potential to help you secure your future and lead a fulfilling career. And with Metrobank's strong heart for the community, you have the chance to give back and make worthwhile contributions to our nation's economic and social development. With Metrobank, a meaningful life is within your reach

Position Title: Credit Portfolio Manager

Job Summary:

• Effectively operates, implements initial remedial management measures, as well as, the overall strong credit risk management in the Credit Support Unit. Scope of work covers accounts coming from the Branch Lending Units and the Branches

• Supervises and reviews the analysis & evaluation of loan proposals from Lending Units using various credit tools/information/documents, ensuring an appropriate and holistic credit risk/mitigant assessment in determining the creditworthiness of existing and prospective borrowers.
• Guarantees quality and timely completion of account renewals, evaluation of prospective borrowers and various credit requests and reports.
• Appropriately assess credit risk ratings and classifications and demonstrates strict compliance to documentation and bank policies.
• Performs effective portfolio management, recognizes potential issues that requires immediate attention or escalation, and initiates remedial management efforts for non-performing loans of accounts showing signs of weakness.
• Ensures effective performance management of the team against set KRAs
• Coordinates with Human Resource partners to ensure adequate talent is available and honed with well-thought-out career development programs.
• Compliance with the bank's Business Continuity Program.
• Handles any and all audit-related exercises in coordination with other business units (IBS, Credit Risk, Compliance)
• Partners with Credit Administration Department, Credit Control and Documentation Division, Credit Investigation and Appraisal Division, LEGAL (or with other relevant units) to ensure that proposals have the appropriate approvals, loan documentation process is in order and collateral/policy deviations are mitigated, among other things.
• Performs administrative duties, overall supervision of the Credit personnel and other related functions that may be assigned from time to time.

• Graduate of any Business- related courses, preferably Economics, Accounting or Finance
• At least 5 years working experience in credit with focus on commercial and corporate loans
• With People Manager experience
• Must have a pro-active approach to problem solving and the ability to meet tight deadlines

Rank: Junior Officer

Unit: Office of the President / Credit Group / Commercial Credit Division / Central Metro Manila III
Location: Caloocan