Job Overview:
Responsible for conducting independent loan reviews and reporting policy and underwriting observations/exceptions. The role requires performance of credit analysis in accordance with Credit Manual and pertinent regulations. The role ensures that individual credits are adequately underwritten and properly graded.
Duties and Responsibilities:
- Performs independent comprehensive review of sampled loans and modifications to identify any credit weaknesses, policy or regulatory infringements, servicing deficiencies, or trends.
- Performs reviews on the securities of the sampled loans.
- Evaluates the quality of credit process and credit management
- Performs post mortem review on problem accounts that includes determining the root causes and suggestion for improvement.
- Prepares Credit Process Review Reports and submit to Credit Review Officer/ Credit Risk Management Unit Head for review and RMD Head for approval.
- Proposes appropriate classification and management action/s for reviewed clients/group considering the client's overall condition at the time of approval and provide an independent, unbiased credit risk classification.
Qualifications:
- Graduate of Bachelor Science in Accountancy, Financial Management, or any Business-related course
- At least 2 years work experience related in credit or account review gained from banking or financing industry or its equivalent
- Proficient in credit review, credit evaluation or analysis and/or financial analysis
- Good analytical and technical skills
- Detailed oriented
- Good interpersonal skills; Team player
- Can perform with minimum supervision
- With good communication skills
- Willing to travel
