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Position Title: Credit Portfolio Manager
Job Summary:
- The Credit Portfolio Manager is responsible for ensuring the effective operation and implementation of management measures, while maintaining strong credit risk management across the portfolio. The scope of work includes accounts coming from Lending Units and Branches.
Role Exposure:
Credit Assessment and Proposal Review:
- Supervises and reviews the analysis and evaluation of loan proposals from Lending Units using various credit tools, information, and documents to ensure appropriate and holistic assessment of credit risks and mitigates in determining the credit worthiness of existing and prospective borrowers.
- Guarantees quality and timely completion of account renewals, evaluation of prospective borrowers and various credit requests and reports.
Risk Evaluation and Credit Structuring:
- Appropriately assess credit risk ratings and classifications and demonstrates strict compliance to documentation and Bank policies.
Coordination and Documentation:
- Coordinates with Lending Units to effectively monitor account status and performance
- Partners with Credit Administration Department, Credit Control and Documentation Division, Credit Investigation and Appraisal Division, Legal (or with other relevant units) to ensure that proposals have the appropriate approvals, loan documentation process is in order and collateral/policy deviations are mitigated.
Monitoring and Reporting:
- Maintain records of work metrics and ensure timely completion of reviews.
- Performs effective portfolio management, recognizes potential issues that requires immediate attention or escalation and initiates remedial management efforts for non-performing loans of accounts showing signs of weakness
- Handles any and all audit-related exercises in coordination with other business units (IBS, Credit Risk, Compliance)
Talent Development:
- Ensures effective performance management of the team against set KRAs
- Coordinates with Human Resource partners to ensure adequate talent is available and honed with well-thought-out career development programs
Additional Responsibilities:
- Perform other related duties as assigned to support the overall success of the Bank.
Qualifications:
- Graduate of any Business- related courses, preferably Economics, Accounting or Finance
- Minimum of 5 years of credit analysis experience
- Experience in team management is an advantage
- Strong analytical thinking for approving and recommending credit proposals
- Ability to identify, assess, and mitigate credit risks across the portfolio
- Strong understanding of risk framework, regulatory requirements and internal policies
- Proficiency in risk rating system
- Skilled in monitoring portfolio performance and delinquency trends
- Supervising credit review officers and fostering a high-performance culture
- Strong work ethic and a high level of personal and professional integrity
- An effective communicator with strong oral, written, and effective presentation skills
- Computer literate, with high level of proficiency in Microsoft Office applications such as word, excel, and PowerPoint.
- Completion of reports related to the handled credit portfolio
Other Details:
Rank: Junior Officer
Unit: Office of the President / Credit Group / Commercial Credit Division – Visayas I / Cebu
Location: Cagayan De Oro
