Credit Officer - Commercial Banking (GenSan)

About Security Bank

We are the Philippines' largest independent bank, having won countless awards over the years, including Philippines' Top Employer, named by Statista, and Best Bank for Diversity and Inclusion, awarded by Asiamoney.

We’re changing how people bank. From the moment customers enter our branches to their experience online, we make them feel valued and empowered.

Now, with more than 300+ branches nationwide, BetterBanking has become the gold standard in improving the banking lives of millions of Filipinos. But we’re far from done.

In our constant pursuit of excellence and improvement, we create teams that support our business and each other.

The Role

As a Credit Officer - Commercial Banking , you will evaluate the borrowers or potential borrowers of the banks according to the inherent risks and opportunities that the Bank may be able to undertake. You will recommend the appropriate facilities with mitigants in place to safeguard the interest of the Bank.

How you'll contribute

• Conducts interview and ocular inspection with the client to determine the risk profile of the borrower / client.
• Prepares credit proposal with all the information gathered and internal tools to be presented to CRECOM and EXCOM.
• Prepares financial analysis based on the data gathered to determine the capacity of the client to pay.
• Keeps updated with the credit policy manual / risk bulletins to ensure compliance with Bank's credit policies as well as other governing policies.
• Collaborates with Relationship Managers in the loan packaging while identifying credit risk and acceptable mitigants for recommendation to approvers.
• Plans interim extension / client calls or information gathering such as AFS, bank checkings, appraisals, etc in advance to ensure renewal is on time and to avoid expired lines.

What we’re looking for

LI-AS1

LI-Hybrid