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Credit Portfolio Manager

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Metrobank

1mo ago

  • Job
    Full-time
    Senior Level
  • People, HR & Administration
    Banking & Finance
  • Cebu City

AI generated summary

  • You must have a relevant degree, 5+ years in credit for commercial and corporate loans, people management experience, and a proactive problem-solving approach under tight deadlines.
  • You will manage credit risk, supervise loan evaluations, ensure timely assessments, monitor portfolios, develop team skills, coordinate audits, and ensure compliance with policies and regulations.

Requirements

  • Graduate of any Business-related courses, preferably Economics, Accounting or Finance
  • At least 5 years working experience in credit with focus on commercial and corporate loans
  • With People Manager experience
  • Must have a pro-active approach to problem solving and the ability to meet tight deadlines

Responsibilities

  • Heads the Credit Support Unit, providing overall strong credit risk management which includes the proper evaluation of credit proposals, portfolio risk management, supervision & training of Credit Review Officers and Credit Evaluators. Scope of work covers accounts coming from Lending Units
  • Supervises and reviews the analysis & evaluation of loan proposals from Lending Units using various credit tools/information/documents, ensuring an appropriate and holistic credit risk/mitigant assessment in determining the creditworthiness of existing and prospective borrowers.
  • Ensures that account renewals, evaluation of prospective borrowers, evaluation of various other credit requests, and completion of reports, are done with quality and accomplished within the prescribed turnaround times.
  • Ensures that all credit risk ratings and classifications are assessed appropriately and in a timely manner, and that all credit proposals are accompanied by required documents and information in compliance with Bank policies.
  • Ensures effective portfolio management; stays on top of the accounts, including regular and timely credit monitoring & escalation of issues/accounts that need urgent disposition/ attention to enable early problem recognition, and initiating remedial management efforts for non-performing loans or accounts showing signs of weakness.
  • Ensures effective performance management of the team against set KRAs
  • In coordination with our HRMG partners, ensures that the unit has an adequate supply of highly skilled personnel for future business and succession requirements through a well-thought-out people development/training and career strategy plans.
  • Ensures readiness and compliance with the Bank's Business Continuity Program.
  • Handle any and all audit-related exercises in coordination with other business units (IBS, Credit Risk, Compliance)
  • Partners with CRG-Secretariat, DCMD CRIAD, 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, among other things.
  • Performs administrative duties and overall supervision of the Credit personnel.
  • Performs other related functions that may be assigned from time to time.

FAQs

What is the primary responsibility of a Credit Portfolio Manager at Metrobank?

The primary responsibility is to head the Credit Support Unit, providing robust credit risk management, which includes evaluating credit proposals, managing portfolio risks, and supervising the training of Credit Review Officers and Credit Evaluators.

What qualifications are required for the Credit Portfolio Manager position?

Candidates must have a degree in any business-related course, preferably in Economics, Accounting, or Finance, along with at least 5 years of experience in credit, specifically focusing on commercial and corporate loans.

Is people management experience necessary for this role?

Yes, candidates must have experience in people management to effectively oversee and develop the team.

What kind of loans will the Credit Portfolio Manager be evaluating?

The position focuses on evaluating commercial and corporate loans.

What skills are essential for the Credit Portfolio Manager position?

A proactive approach to problem-solving, the ability to meet tight deadlines, and strong analytical and evaluation skills are essential for this role.

Where is the Credit Portfolio Manager position located?

The position is located at the Cebu - Fuente Osmeña Center.

What kind of training and development opportunities does Metrobank offer?

Metrobank provides opportunities that enhance skills and unlock talents, aimed at developing employees into future leaders.

What is the expected rank for this position within the company?

The rank for the Credit Portfolio Manager position is Junior Officer.

How does the Credit Portfolio Manager ensure compliance with Bank policies?

The Credit Portfolio Manager ensures compliance by overseeing that all credit risk ratings, classifications, and proposals meet the necessary documentation and information requirements in alignment with Bank policies.

What are the key performance metrics for the Credit Portfolio Manager's team?

The Credit Portfolio Manager is responsible for effective performance management of the team against set Key Result Areas (KRAs).

Will the Credit Portfolio Manager participate in audit-related exercises?

Yes, the Credit Portfolio Manager will handle audit-related exercises in coordination with other business units such as IBS, Credit Risk, and Compliance.

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Metrobank

Finance
Industry
10,001+
Employees
1962
Founded Year

Mission & Purpose

Metrobank is a prominent banking institution in the Philippines, offering a wide range of financial services including personal and business banking, loans, investment products, and wealth management. The bank focuses on providing accessible, customer-centric banking solutions through its extensive network of branches and digital platforms. Metrobank's ultimate mission is to be a trusted financial partner by delivering exceptional service and innovative products that meet the diverse needs of its customers. Their purpose is to support the financial well-being and growth of individuals and businesses, contributing to the economic development and prosperity of the communities they serve.