Job vacancy Credit Review Officer

Executive recruitment company Monroe Consulting Group Philippines is recruiting on behalf of a growing savings bank who has been thriving in servicing SMEs in the market. This bank is looking for an experienced Credit Review Officer who will be responsible in independently evaluating the credit quality and credit processes of the bank. The job is based in Makati City, Philippines.

Job Summary:

The primary goals of loan review are to accurately evaluate the effectiveness of lending practices and credit-related supervision, identifying unnecessary credit risk in the loan portfolios, confirming the effectiveness of loan grading, and effectively communicating findings to management at the same time providing a force for positive change in the bank.

Key job responsibilities include:

• Conduct credit review and Identify gaps in underwriting, approval, monitoring, relationship management and credit administration in underwriting, approval, monitoring, relationship management and credit administration activities of commercial loan portfolio
• Validate credit/financial information to verify the credit worthiness of the borrower/guarantors and validity of the loan/credit relationship
• Validate selected loan and collateral documentation for adequacy, adherence to loan policy
• Responsible for the preparation of periodic Risk Assessments to validate or revise the risk-based ranking
• Assist in the development, implementation, and oversight of ongoing risk-based credit review
• Identify existing and/or emerging issues relating to credit quality and risk
• Identify portfolio concentrations
• Communicate with loan officers, underwriters, credit administrators and other management in a logical and positive manner, providing positive and helpful feedback based on the result of the credit review.
• ·Owning and managing follow-up items resulting from the review and reporting the resolution of those items in review
• Conduct stress-test and recommend policy enhancements based on the result of credit review

Key job requirements include:

• College Degree, preferably a degree in Accounting, Finance, Economics or equivalent
• Minimum of two years of loan review, commercial lending, commercial loan underwriting, and/or commercial loan portfolio management experience.
• Computer literacy. Proficient in Microsoft Office