Key Responsibilities:
You will:
- Oversee the comprehensive review of credit proposals submitted by Lending Units, utilizing financial analysis, credit assessment tools, and supporting documentation to determine borrower viability and risk exposure
- Ensure timely and accurate completion of credit evaluations for new accounts, renewals, and other credit-related requests
- Validate credit risk ratings and account classifications, ensuring adherence to internal credit standards, documentation guidelines, and banking policies
- Actively manage and monitor the assigned loan portfolio, identifying early warning signals and initiating appropriate escalation or remedial actions for accounts with deteriorating performance
- Lead, coach, and monitor the performance of the credit review team against agreed key result areas (KRAs)
- Work closely with Human Resources to support workforce planning, talent development, and structured career progression for team members
- Ensure readiness and compliance with the Bank's Business Continuity and operational resilience requirements
- Manage and coordinate credit-related audit activities, working with internal audit, compliance, and other relevant units to ensure timely resolution of findings
- Collaborate with Credit Administration, Credit Control and Documentation, Credit Investigation and Appraisal, Legal, and other support units to ensure proper approvals, complete documentation, and mitigation of policy or collateral exceptions
- Perform supervisory and administrative responsibilities and undertake additional credit-related functions as assigned by management
Qualifications:
- Bachelor's degree in a business-related discipline such as Finance, Accounting, Economics, or a similar field
- Minimum of five (5) years experience in credit risk or credit evaluation, with strong exposure to commercial and corporate lending
- Proven people management or team leadership experience
- Strong analytical skills with a proactive and solutions-oriented mindset
- Ability to manage multiple priorities, work under tight deadlines, and make sound credit judgments
Work Location: Naga City, Camarines Sur
Work Setup: Full Onsite
Work Schedule: Day Shift
