Credit & Collection Officer

Reviews and analyzes credit proposals to ensure that it conforms with the Bank’s credit policies and guidelines prior to endorsement to the appropriate approving authority;

Provides credit support to the Lending Units of the Bank as follows:
- Conducts credit review on credit proposals prepared by the lending units and ensures credit risk inherent to an account along with the corresponding mitigants are discussed as well as full disclosure of any deviations &/or exceptions to the policy with the appropriate justifications are provided to the appropriate approving authorities for their reference and guidance in arriving at an informed credit decision;
- Prepares the financial spreading in the Ambit Optimist and the Credit Analysis and Evaluation Report incorporated in the credit proposal;
- Performs timely loan classification review in adherence to BSP Circular 855 and loan impairment testing-based PRFS.
- Assumes the credit manager role in the Ambit Optimist Spreading and Credit Scoring system and ensures appropriate classification and rating of accounts;
- Assists in the timely review of credit policies to ensure these are aligned with BSP policies and regulations.

- Graduate of a business degree in Accountancy, Economics, or Banking Finance.
- 5 years of experience in Credit Management/Administration or as a Loan Account Officer (with experience in credit review);

101 V.A. Rufino Street, Corner Dela Rosa Street, Legazpi Village, Makati, 1229