About the role
Our client is a BSP-regulated digital bank scaling our SME and partner-originated lending business. We move fast, we use data, and we're building credit infrastructure that didn't exist in traditional banking. This isn't a legacy bank role, they expect you to be comfortable with AI-assisted workflows, changing policies, and tight turnaround pressures.
They are looking for a detail-oriented Credit Officer to join our SME Lending team. You will be responsible for the end-to-end credit evaluation of SME and partner-originated loan applications, ensuring recommendations are sound, compliant, and aligned with our credit risk appetite. This role works closely with partner fintechs and loan originators under Third-Party Reliance (TPR) arrangements, and may also support consumer, auto, and BNPL credit portfolios as needed.
Who thrives here
You've lived inside a fast-paced fintech or digital bank. You're not afraid of ambiguity. You make sharp credit decisions under pressure, and you know how to write a CER that stands on its own in a credit committee. You're curious about how AI and automation can improve the way credit teams work and you're ready to help build that.
Key responsibilities
Credit evaluation & risk assessment
- Conduct comprehensive evaluation of SME and partner-referred loan applications including financial condition, business model, and repayment capacity.
- Review financial statements, bank statements, and cash flow data to assess liquidity, profitability, and leverage ratios.
- Prepare Credit Evaluation Reports (CERs) with analysis, risk identification, and credit recommendations.
- Recommend loan terms, pricing, and risk mitigants aligned with credit risk appetite and partner agreements.
Partner coordination & credit committee support
- Coordinate with partner originators for referred applications, document completeness, and clarifications.
- Present evaluated applications to the Credit Head or Credit Committee (Crecomm) for review and approval.
- Ensure alignment with FLDG requirements and internal credit policies.
Risk management & compliance
- Ensure compliance with BSP MORB, AMLA, and internal credit policies.
- Monitor early warning signals and support FLDG loss coverage escalation.
- Validate post-approval compliance including collateral perfection and insurance.
Portfolio management & special assignments
- Participate in portfolio reviews, credit line renewals, and delinquency trend monitoring.
- Support cross-functional coordination with Loan Operations, Finance, and Collections.
- Contribute to credit automation, process improvement, and policy enhancement projects.
Qualifications
- Filipino national
- Bachelor's degree in Accountancy, Business Administration, Economics, Finance, or related field
- Minimum 2–5 years of credit experience in SME, consumer, or partner-based lending
- Strong background in financial analysis, business risk assessment, and credit structuring
- Knowledge of BSP regulations (MORB), AML/KYC compliance, and partner program guidelines
- Experience with credit bureau tools — CIC, Transunion, BAP NFIS
- Knowledge of credit scoring models, loan acceptance criteria, and collateral evaluation
- Proficient in Microsoft Excel, Google Sheets, and Loan Origination Systems (LOS)
- Excellent communication, analytical, and decision-making skills
- Demonstrates integrity, accountability, and ability to work independently and collaboratively
- Ability to set goals, monitor KPIs, and conduct performance reviews
- Experience managing cross-functional communication
