Executive search firm Monroe Consulting Group Philippines is recruiting on behalf of a dynamic and fast-growing company in the financial services sector to recruit for a Credit Operations Manager .
Job Summary
The credit Operations Manager oversees the end-to-end processing, monitoring, and servicing credit products within the bank. This role ensures that credit operations are compliant, efficient, accurate, and aligned with regulatory requirements and internal policies. The manager is responsible for leading the credit operations team, optimizing credit workflows, ensuring timely loan approvals and releases, enhancing customer experience, and safeguarding the bank from operational and credit-related risks.
Key Responsibilities
Credit Processing & Administration
- Oversee the end-to-end loan processing cycle-from application intake, document verification, evaluation support, approval routing, booking, and release.
- Ensure accuracy, completeness, and timeliness of all credit documentation, including financial statements, collateral documents, and regulatory forms.
- Manage loan booking, system encoding, and loan disbursement processes in compliance with bank standards.
- Develop and maintain efficient credit workflows and turnaround time (TAT) standards.
Credit Monitoring & Portfolio Management
Monitor loan portfolio performance including payments, collections, delinquencies, and restructuring.Ensure proper maintenance of credit files and monitoring tools (post-approval conditions, collateral monitoring, insurance, renewals, etc.).Coordinate with Credit Risk, Collections, and Branch Banking for timely actions on overdue accounts.Compliance & Regulatory Management
Ensure adherence to BSP regulations, AML / CFT guidelines, Data Privacy Act, and bank credit policies.Prepare and submit required reports to regulators and internal committees.Ensure compliance with internal audit requirements and address audit findings promptly.Team Leadership & Operational Excellence
Supervise and mentor credit operations staff to enhance skills, productivity, and accountability.Conduct regular performance evaluations, skills assessments, and process training.Implement operational controls to prevent errors, fraud, and process lapses.Lead initiatives for process improvement, system enhancements, and efficiency optimization.Key Qualifications
Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field; MBA or relevant professional certifications is an advantageAt least 8-12 years of experience in banking or financial services, with strong exposure to credit operations, loan administration, and credit risk processesMinimum 4-6 years of people management experience leading credit or lending operations teamsIn-depth knowledge of end-to-end bank credit lifecycle, including credit approval support, loan booking, documentation review, collateral management, disbursement, and post-booking monitoringStrong understanding of banking regulations, BSP guidelines, compliance requirements, and internal credit policiesProven experience handling commercial, corporate, and / or retail loan operations within a bankExperience in credit documentation, collateral perfection, covenant monitoring, and credit file managementFamiliarity with core banking systems, loan management systems, and credit workflow platformsDemonstrated ability to design, improve, and enforce credit operational controls and proceduresStrong audit and control mindset with experience supporting internal and external auditsExcellent analytical, decision-making, and risk assessment skillsStrong leadership and stakeholder management skills, with the ability to work closely with Credit, Risk, Legal, Compliance, and Business UnitsExcellent written and verbal communication skillsHigh level of integrity, accuracy, and attention to detailAbility to manage multiple portfolios and deadlines in a regulated banking environment