A leading financial institution in Bonifacio Global City is seeking a Credit Review Officer to join their team. This is an opportunity for you to leverage your expertise in credit risk analysis, portfolio management, and financial evaluation. As a Credit Review Officer, youll play a vital role in ensuring the integrity of loan proposals, maintaining robust credit standards, and supporting the organisations commitment to responsible lending practices.
What youll do:
As a Credit Review Officer, you will immerse yourself in a dynamic environment where your day-to-day activities revolve around evaluating loan proposals, managing portfolios, and ensuring strict adherence to both internal policies and external regulations. Your responsibilities will include preparing detailed assessments for credit accommodations, validating critical data from various sources, analysing collateral documentation for potential deviations, and making informed recommendations that safeguard the organisations interests. You will also be instrumental in determining accurate risk ratings for clients while collaborating with colleagues across departments to foster a culture of shared learning. Success in this role requires not only technical proficiency but also a genuine commitment to teamwork, open communication, and continuous improvement. By excelling in these areas, you will contribute significantly to the organisations reputation for responsible lending and prudent risk management.
- Coordinate closely with Institutional Banking Segment counterparts to ensure timely submission of pre-approval documents and actively manage your assigned portfolio of accounts in partnership with lending officers.
- Prepare comprehensive Evaluation and Recommendation for Credit Accommodation (ERCA) reports for credit line renewals of institutional banking accounts, adhering strictly to internal policies and agreed service level agreements.
- Validate all data provided by lending units as part of the rigorous credit assessment process, ensuring accuracy and completeness at every stage.
- Assess collateral documentation for any deviations, identifying necessary mitigations to support sound credit decisions while upholding regulatory requirements.
- Identify all relevant policy and regulatory deviations during credit reviews to provide fair assessments of overall risks and make well-supported recommendations.
- Prepare detailed financial spreadsheets and conduct thorough financial evaluations for new borrowing clients, occasionally reviewing ERCA reports prepared by other teams for new credit facilities.
- Determine appropriate credit risk ratings and classifications for each account, ensuring these remain accurate and relevant based on current information.
- Collaborate with cross-functional teams to share insights on portfolio performance, emerging risks, and best practices in credit management.
- Support ongoing improvements in credit processes by providing feedback on policy effectiveness and participating in training sessions or workshops as required.
What you bring:
To excel as a Credit Review Officer, you bring not only technical qualifications but also valuable hands-on experience gained from similar roles within reputable institutions. Your academic background gives you the theoretical grounding needed for complex financial analysis while your years spent working with commercial or corporate loans have honed your ability to assess risk accurately. You possess advanced analytical capabilities complemented by meticulous attention to detailqualities essential when reviewing intricate loan proposals or evaluating collateral documentation. Your proactive mindset ensures that potential issues are addressed meanwhile, your willingness to collaborate fosters positive relationships with colleagues across departments. Whether transitioning from relationship management or building upon CPA credentials from leading firms, your diverse experiences make you uniquely equipped for this multifaceted position. Above all else, it is your dedication to responsible lending practicescombined with empathy towards clients needsthat sets you apart as an ideal candidate.
- A degree in Accountancy, Accounting Management, Mathematics, Statistics, Financial Management or Economics provides you with a strong foundation for understanding complex financial concepts relevant to this position.
- At least three years experience working in credit with a focus on commercial or corporate loans ensures you have practical knowledge of industry standards and best practices.
- Proven expertise in credit risk analysis allows you to identify potential issues early on and recommend effective solutions that protect both clients and the organisation.
- Exceptional quantitative and analytical skills enable you to interpret large volumes of data accurately while drawing meaningful conclusions that inform decision-making processes.
- A proactive approach to problem-solving helps you anticipate challenges before they arise so that deadlines are consistently met without compromising quality or compliance.
- Experience as a commercial or corporate Credit Analyst demonstrates your ability to handle complex cases involving multiple stakeholders within tight timeframes.
- Background as a Relationship Manager willing to transition into credit roles shows adaptability and an eagerness to expand your skill set within the financial sector.
- Certification as a Public Accountant (CPA), particularly from top accounting firms, highlights your technical competence as well as your commitment to ethical standards.
- Previous experience as a Credit Officer handling both commercial and consumer loans equips you with versatile skills applicable across different client segments.
Due to the high volume of applications we are experiencing, our team will only be in touch with you if your application is shortlisted.
