Auto Loans Credit Officer

2-4 Years

This job is no longer accepting applications

Job Description

Job Summary

Supports the Account Officers with the credit processing including verification and underwriting
of both simple and more complex Auto Loan applications requiring Committee approvals.
Ensures that loan accounts are approved in adherence with prescribed policies and procedures
and in support to credit objectives of the bank.
Given his experience in consumer loan underwriting, he gives insights and
recommendations on the Bank&aposs credit policies and procedures. The incumbent shall ensure
operating standards, policies and procedures are complied with.
With delegation approval, the Auto Loans Credit Officer renders judgment on loans processed,
while providing analytical, detail oriented support for ensuring accuracy and consistency of
underwriting and documentation quality for all loan requests prior to loan booking.

How will you contribute

Possesses skills at data gathering and probing, and is able to perform diligent investigation.
Safeguards the Bank&aposs interest thru prudent approval of Auto loan applications, including
maintaining asset quality where evaluation of the collateral is measured against the credit risk
associated with it. Has the aptitude to seek acceptable and appropriate justifications to credit
exceptions cited.
Ensures data integrity through accurate encoding of credit decisions into the system.
Warrants accurate and timely preparation of required reports.
Ensures all stipulated operating guidelines of CMG operations and the general procedures
and guidelines laid down by the Bank are strictly adhered to.
Adheres and complies with all applicable regulatory policies and procedures governing
banks.
Possesses a detailed working knowledge of the bank&aposs credit policies and procedures.
Keeps abreast of updates on the Bank and BSP policies as stipulated in the Money
Laundering and Terrorist Financing Prevention Program (MLPP) through circulars, required
seminars/programs and adheres to said policies
Performs special projects as assigned