Credit Policy Officer

7 hours ago

Makati City, National Capital Region, Philippines RCBC Full time ₱600,000 - ₱1,200,000 per year

Job Summary:

To assist Credit Policy Head in:

  • Ensuring the development and/or updating as well as the issuance of the relevant guidelines/policies (and procedures as necessary) governing the lending activities of the Bank.
  • Fulfillment of Credit oversight in reviewing credit policies from RCBC Bankard, PPCs and attending credit committee/ portfolio review meetings
  • Monitoring of policy deviations and exceptions, ensure proper approvals were secured, and that deviations remain within approved limits.
  • Adjust credit policies based on delinquency trends, business targets and regulatory changes.

How will you contribute:

Credit Policy Formulation and/or Updating:

  • Assist in conceptualization, formulation, and/or updating of the guidelines/policies and procedures governing the credit or lending activities of the Bank
  • Ensure annual updating of Credit Policy Manuals
  • Assist in addressing relevant internal and external audit findings via issuance and/or updating of credit policies and implementing guidelines.
  • Provide guidance to internal customers in the interpretation and implementation of the provisions of the approved credit guidelines/policies as issued via the Riz Library.
  • Assist in conducting town halls, roadshows and similar activities meant for promulgation and clarification of the latest credit policies

Exceptions Handling and Monitoring

  • Ensure exceptions/ deviations to credit policy are monitored regularly, duly approved by delegated authority, remains within acceptable levels relative to total portfolio, and reported regularly to relevant units and Senior Management.
  • Implement policy changes to minimize exceptions and improve approval process of exceptions, while remaining aligned with the credit risk appetite of the Bank.

Insurance Companies Accreditation:

  • Conduct annual review/evaluation of the accreditation of insurance companies in accordance with internal policies and conditions of the approval.
  • Work with and coordinate with various units involved in gathering information needed to accredit the companies, as well as in cascading to concerned units the prescribed risk limits of accredited companies

Operations Manual, Policies and Procedures Review:

  • Review the other Lending/Business Units' Operations Manuals, guidelines/policies and procedures as may be assigned to ensure salient matters specifically regarding credit related matters (as deemed applicable) are considered and/or addressed.

Credit Policy Oversight:

  • Assist in reviewing and endorsing for approval Credit Policy proposals from the RCBC Bankard Services Corp (RBSC) Credit Policy Group
  • Attend monthly Portfolio Reviews and Credit Committee Meetings of various Lending Groups as delegated or in the absence of Credit Policy Head

What will make you successful:

  • A bachelor's degree in Business Administration, Economics, Management and Finance. Post-graduate degree and/or relevant trainings are an advantage.
  • Must have a strong working knowledge in the development of policies related to commercial, corporate, SME loans, and consumer loans.
  • Significant exposure in the credit cycle for business/consumer loans, knowledge in BSP regulations and best practices in the industry
  • With previous experience as a Relationship Manager/Marketing Assistant, Loans Operations or Credit Analyst for Commercial Loans preferred.
  • At least three (3) years experience in policy formulation and/or in any credit related functions.

  • Credit Investigator

    6 days ago

    Makati City, National Capital Region, Philippines Moritz Credit Corporation Full time ₱217,920 per year

    The Credit Investigator is responsible for conducting background checks, field verifications, and on-site investigations to evaluate the creditworthiness of loan applicants. The role involves verifying client information, assessing collateral, and preparing accurate reports to support sound lending decisions.Key ResponsibilitiesConduct field investigations...

  • Customer Service Officer

    3 weeks ago

    Makati City, National Capital Region, Philippines Credit Corp Full time

    Be a part of Australia's largest promoter of financial inclusion with 2200+ people across the globe.What is Wizit, you ask?Wizit is an exciting new suite of lending products that offer our customers three, convenient ways to pay:Wizitpay – BNPL, pay in 4 with up to $500 to spendWizitcard – A credit card with up to $1,000. Interest free foreverPowerup –...

  • Credit Analyst

    3 weeks ago

    Makati City, National Capital Region, Philippines Cathay United Bank Full time

    Key ResponsibilitiesResponsible for conducting comprehensive credit investigations for annual review of existing clients and review of target clients and interim reviewEnsures production of high-quality Credit Analysis reports, financial spreadsheets, and risks and mitigants for the branch's existing and new clients and providing objective and independent...

  • Credit Officer

    1 week ago

    Makati City, National Capital Region, Philippines Security Bank Corporation Full time $104,000 - $130,878 per year

    The RoleTheEnterprise Risk Analystfor the Corporate Banking Group is responsible for identifying and evaluating credit and financial data to determine the degree of risk involved in extending credit to corporate clients. You will be involved in understanding the business cycle of corporate clients. You will provide a recommendation on the appropriate...

  • Credit and Collections Specialist

    2 days ago

    Makati City, National Capital Region, Philippines Page Outsourcing RPO APAC for Sealed Air Full time ₱420,000 - ₱840,000 per year

    Responsibilities:Oversee credit assessments and approvals, ensuring adherence to credit policies and procedures.Manage the collections process, setting and achieving performance targets while ensuring compliance with company policies.Identify and report potential credit risks and develop strategies to minimize exposure and improve overall credit...

  • Credit Officer

    7 hours ago

    Quezon City, National Capital Region, Philippines Camfin Lending Inc Full time ₱216,000 - ₱240,000 per year

    Key ResponsibilitiesConduct thorough credit investigations and evaluations of loan applicants to assess creditworthiness.Perform appraisal and verification of collateral, including chattel and real estate properties.Ensure accurate and timely preparation of credit reports, recommendations, and documentation.Monitor and review clients' payment performance and...

  • Credit Re-Engineering Process Officer

    3 weeks ago

    Makati City, National Capital Region, Philippines RCBC Full time

    Job SummaryPerforms credit process reviews related to the end to end credit cycle initially for Consumer Loans, ROPA Sale and Sales Contract Receivable (SCR). Responsible for ensuring and monitoring of Consumer Loans Departments to the prescribed external and internal regulations, policies, implementing guidelines and processes.How will you...

  • Credit Risk Department Head

    2 days ago

    Makati City, National Capital Region, Philippines PJ Lhuillier Group of Companies Full time ₱1,500,000 - ₱2,500,000 per year

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

  • Senior Credit Strategist

    2 weeks ago

    Makati City, National Capital Region, Philippines beBeeCreditRiskAnalyst Full time ₱800,000 - ₱1,200,000

    Credit Risk AnalystWe are seeking a highly analytical and detail-oriented professional to provide analytics and data science support to our portfolio in the area of balancing risk-reward.Key Responsibilities:Coordinate with cross-functional teams to implement credit risk policies, provide training and support to relevant teams.Conduct thorough analysis of...

  • Credit and Collection Supervisor

    7 hours ago

    Makati City, National Capital Region, Philippines RAM Food Products Inc. Full time ₱1,200,000 - ₱2,400,000 per year

    JOB DESCRIPTIONPosition Title: Credit and Collection SupervisorPurpose of the position:The Credit and Collection Supervisor is responsible for overseeing credit evaluation, collection activities, and account monitoring to ensure healthy cash flow and minimize financial risks. This role manages a team of credit and collection staff, enforces company credit...