About this role
Be #InGoodHands with Metrobank!
Here at Metrobank, we don't simply hire employees—we hone future leaders. We provide opportunities that enhance your skills and unlock your talents, helping you evolve into a well-rounded individual. We supply you with all the pieces you need to do your best work, unleashing your full potential to help you secure your future and lead a fulfilling career. And with Metrobank's strong heart for the community, you have the chance to give back and make worthwhile contributions to our nation's economic and social development. With Metrobank, a meaningful life is within your reach!
Position Title: Credit Review Officer
Job Summary
- Preparation and credit assessment of loan proposals and corresponding borrowers
- Credit Risk and Portfolio Management
- Conformity to internal and external policies
Specific Duties & Responsibilities
- Should ensure consistent and advance coordination with Institutional Banking Segment (IBS) counterparts on the timely submission of pre-approval documents, and the active management of his/her assigned portfolio of accounts together with the lending officer.
- Prepares the Evaluation and Recommendation for Credit Accommodation (ERCA) for credit line renewals of IBS accounts according to policy and in compliance with the agreed Service Level Agreement (SLA) with IBS.
- Validates data provided by lending units as part of the credit assessment.
- Assess the related collateral and documentation deviations and necessary mitigations in relation to the credit assessment.
- Identify all relevant policy and regulatory deviations to arrive at a fair assessment of the overall risks and make the appropriate recommendations.
- Prepare the financial spreadsheet and financial evaluation of new borrowing clients. May be asked to evaluate the ERCA prepared by IBS for the establishment of its credit facilities.
- Determine and assess credit risk rating and classification and ensure these are appropriate and relevant at all times.
Qualifications
- Graduate of Accountancy, Accounting Management, Math, Statistics, Financial Management and Economics
- At least 3 years working experience in credit with focus on commercial and corporate loans
- Knowledgeable in credit risk analysis
- Strong quantitative and analytical skills
- Must have a pro-active approach to problem solving and the ability to meet tight deadlines
-
Experienced commercial / corporate Credit Analyst
-
Experienced commercial / corporate Relationship Manager
-
Experienced Certified Public Accountant (CPA) from top accounting firms
-
Experienced Credit Officers handling commercial and consumer loans
Other Details:
Rank: Officer
Unit: Credit Group
Location: BGC
Other facts
About Metrobank
Be part of a leading financial institution
Metrobank is the country’s premiere universal bank with the largest consolidated network of over 870 branches and over 1,900 automated teller machines nationwide, and 33 foreign branches, subsidiaries and representative offices. A recognized leader in the country’s banking industry, Metrobank has become the trusted banking partner, staying true to its promise of keeping you in good hands.
Experience a fruitful and rewarding career
The driving force of Metrobank’s success is its people who are committed to product quality and service excellence; practice strong work ethics and good governance. We uphold a culture anchored on our core values of customer delight, teamwork, passion for results and integrity. In Metrobank, hardwork is well-rewarded with a long term career and a competitive rewards system.
Learn from trusted professionals
Metrobank is an excellent training ground for individuals who aim to learn and gain exposure to the different facets of banking and finance. The learning opportunities are immense as you work with top-notch experts of the banking industry - a driven team of individuals who put value on excellence and passion for service.
Metrobank is regulated by the Bangko Sentral ng Pilipinas (https://www.bsp.gov.ph/)
What you'll do
- The Credit Review Officer is responsible for the preparation and credit assessment of loan proposals, ensuring compliance with internal and external policies. They will manage a portfolio of accounts and coordinate with the Institutional Banking Segment for timely submissions and evaluations.
Ready to join Metrobank?
Take the next step in your career journey