Loan and Credit Manager I Officer

3 days ago

Cavite City, Calabarzon, Philippines HRTX consulting Full time ₱100,000 per year

Job Title: Loan Management Department Head

Location: Cavite

Work Schedule: Morning, On-site

Budget: 70, , th month

Benefits:

  • Allowances
  • Leaves

Upon Regularization:

  • Guaranteed Bonus per year (distributed every trimester)
  • De Minimis Allowances and other allowances
  • Performance Incentive
  • Insurances
  • Retirement Plan
  • Car Loan Entitlement & Benefits
  • And other execiting benefits.
  • 14.5th month

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.

III. Duties and ResponsibilitiesPlanning 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

Job Type: Full-time

Pay: Up to Php100,000.00 per month

Application Question(s):

  • Can you provide current salary?
  • Can you provide expected salary?
  • Do you have experience handling corporate accounts

Work Location: In person

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