Credit Officer

Job Mandate

Responsible for the credit evaluation and decision of requests for cards and personal loans through a complete and accurate review of account handling performance and submitted information in accordance to the defined criteria; Accurate maintenance of submitted information based on the account maintenance form/documents, in accordance to the Credit Delegation Approval matrix and established credit policies and processing guidelines.

• OPERATIONAL

• Receives card maintenance requests such as: Credit Limit (CL) maintenance, Card Upgrade/Downgrade, Conversion, Nth card application, Reactivation, Card renewal, Supplementary card application, Virtual card creation, Opt-in(Dollar account creation), Card conversion, Auto Debit Arrangement enrollment/dis-enrollment (ADA) from Call Center, Service Fulfillment Unit, CLG Website and other internal units and other types account-related requests.
• Evaluates in accordance to the Credit Policies and Procedures and renders recommendation and or credit decision.
• Ensures proper endorsement to appropriate Credit Delegated Authorities for higher approval.
• Facilitates system confirmation/maintenance of requests.
• Ensures timely response to the action plan/comments/ feedback of the Supervising Officers and/or Quality Review/Auditors.
• Maintains error rate/exceptions/findings within the prescribed threshold from the periodic compliance and quality check.
• Maintains objectivity, accuracy and consistency in handling assigned tasks.
• ADMINISTRATIVE
• Prepare and submit report according to agreed format and frequency.
• Ensures all processed requests are documented and properly signed by the Recommending and Approving Officers.
• Provides the Supervising Officer with the pertinent data for processing and or policy enhancements.
• Provides timely feedback to the Supervising Officer on the following matters:
• Credit policy and processing related concerns/issues
• System-related problems encountered that may delay the processing.
• Ensures the information security of the documents and files of the team by strictly implementing the Clean Desk Policy and Confidentiality of Information Policy.
• Accepts workload, shift or work location with minimal training or short notice due to business need or directive
• Performs other functions as the need arises and can be re-assigned as cross posting from time to time.
  
  

Qualifications

• Bachelor's degree relevant to the job
• Minimum 1-year experience in unsecured credit processing.
• At least with Credit Delegation/Lending Authority in his previous institution
  
  

BDO Unibank, Inc. provides equal opportunity to all qualified candidates. Hiring decisions are based on job requirements and candidate qualifications, and shall not be influenced by any consideration of race, color, religion, sex (including sexual orientation and gender identity), national or ethnic origin, or disability. Requisition ID: 30615