CREDIT REVIEW OFFICER

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! Job 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 Role Exposure: 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 or Economics With any of the following backgrounds: At least 2 years of experience in handling Commercial and Corporate Loans Credit At least 2 years of relevant work experience as Credit Risk Officer, Credit Analyst, or Credit Manager in financial institutions (with background in Accounting is plus) With solid experience in Commercial / Corporate Relationship Management With Consumer Lending (Auto, Personal, Home) Credit experience and background in Accounting Comes with strong quantitative and analytical skills Knowledgeable in credit risk / financial analysis