Credit Risk Officer

CREDIT RISK OFFICER

A leading universal bank is seeking a Credit Risk Officer to join their highly respected Risk Management team in BGC, Taguig. This is an exceptional opportunity for you to play a pivotal role in safeguarding the organisation’s credit portfolio while supporting responsible business growth. You will be empowered to provide independent and objective credit risk review, analysis, and oversight of diverse credit exposures and portfolios, ensuring that all credit decisions are aligned with robust risk appetite, policies, and regulatory standards. The organisation is deeply committed to investing in its people, offering a supportive environment where your career can flourish through continuous learning, teamwork, and meaningful contributions. Whether you are looking to further develop your expertise or take on new challenges within a collaborative setting, this role offers the runway for you to grow and make a tangible impact.

* Join a highly engaged team that values both individual initiative and collective achievement, fostering an inclusive workplace culture where everyone’s contribution matters.
* Benefit from flexible working opportunities and ongoing training designed to support your professional development and help you reach your career aspirations.
* Be part of an organisation that prioritises employee empowerment, encourages knowledge sharing, and provides clear pathways for advancement within the banking sector.

What you'll do:

As a Credit Risk Officer based in BGC, you will immerse yourself in a role that blends analytical rigour with collaborative partnership. Your day-to-day responsibilities will involve conducting meticulous reviews of various credit transactions—ranging from new proposals to complex restructurings—ensuring every decision aligns with stringent policy guidelines and regulatory expectations. You will monitor portfolio performance using advanced analytics to detect early signs of risk while preparing insightful reports for senior management. By working hand-in-hand with business units during committee meetings and portfolio reviews, you will offer valuable perspectives that balance prudent risk-taking with sustainable growth objectives. Your commitment to enhancing governance structures will see you championing best practices in documentation and compliance while mentoring junior colleagues to uphold high standards across the team. This position offers you the chance to contribute meaningfully to both operational excellence and strategic direction within one of the country’s most respected financial institutions.

* Conduct thorough and independent reviews of credit proposals, renewals, restructurings, and amendments to ensure full alignment with established credit policies, underwriting standards, approval authorities, and regulatory requirements.
* Monitor assigned credit portfolios by tracking risk appetite metrics, exposure limits, early warning indicators, and identifying emerging risks or adverse trends that may affect portfolio quality.
* Prepare comprehensive credit risk assessments, detailed reports, dashboards, and committee presentations while ensuring timely escalation of material risk concerns or breaches of set limits.
* Collaborate closely with business units by providing balanced and well-supported risk perspectives during participation in credit committees, portfolio reviews, and decision-making forums.
* Support the ongoing development and enhancement of credit risk policies, underwriting standards, frameworks, processes, tools, and methodologies aimed at strengthening overall risk management practices.
* Promote strong governance by maintaining effective documentation practices, upholding internal controls, ensuring regulatory compliance, and facilitating the timely resolution of audit or regulatory findings.
* Provide coaching and technical guidance to junior credit officers to foster consistent application of credit risk standards across the organisation.
* Contribute actively to the continuous improvement of credit risk frameworks by sharing insights gained from monitoring activities and industry best practices.
* Engage in cross-functional projects or initiatives that enhance the effectiveness of the bank’s overall risk management strategy.
* Champion a culture of transparency and accountability by encouraging open communication regarding potential risks or process improvements.

What you bring:

In this Credit Risk Officer position, your background in evaluating complex credit exposures will be invaluable as you navigate diverse portfolios within a regulated environment. Your ability to analyse financial data thoroughly allows you to spot potential issues before they escalate while your familiarity with local regulations ensures all actions remain compliant. You bring excellent interpersonal skills that facilitate productive collaboration with colleagues across departments—enabling shared solutions that benefit both business growth and sound governance. Your experience in drafting clear reports means stakeholders always have access to timely information for informed decision-making. By mentoring others on best practices in risk management processes or frameworks, you help raise overall team capability. Your attention to detail underpins robust documentation efforts while your enthusiasm for ongoing professional development keeps you at the forefront of industry changes. Ultimately, your blend of technical proficiency and supportive teamwork makes you an ideal fit for this rewarding opportunity.

* Demonstrated experience in credit risk assessment within banking or financial services environments is essential for success in this role.
* Proven ability to interpret complex financial statements and conduct thorough due diligence on borrowers or counterparties is required.
* Strong understanding of local regulatory requirements related to credit risk management ensures effective compliance.
* Excellent written communication skills are necessary for preparing clear reports, dashboards, presentations, and committee materials.
* Advanced analytical abilities enable you to identify emerging risks or adverse trends within large portfolios efficiently.
* Experience collaborating with cross-functional teams enhances your capacity to provide balanced perspectives during decision-making forums.
* Familiarity with developing or refining credit policies, frameworks, processes, or methodologies is highly valued.
* A track record of mentoring or coaching junior staff members demonstrates your commitment to knowledge sharing within teams.
* Attention to detail supports effective documentation practices and strengthens internal controls across all activities.
* A positive attitude towards continuous learning helps you adapt quickly as industry standards evolve.

What sets this company apart:

This organisation stands out as one of the Philippines’ largest universal banks thanks to its unwavering commitment to employee empowerment and continuous improvement. Here you will find a workplace culture built on mutual respect where teamwork is celebrated alongside individual initiative. Employees are encouraged not only to share their ideas but also supported through generous training opportunities designed for long-term career progression. The company invests heavily in both people and technology—ensuring that every member has access to resources needed for personal growth as well as organisational success. With flexible working arrangements available alongside structured mentorship programmes, this is an environment where your ambitions can truly take flight while contributing meaningfully toward shared goals. The focus on inclusivity means everyone feels welcome regardless of background or experience level; here your voice matters as much as your results do.

What's next:

If you are ready to take the next step in your career journey within a supportive banking environment that values growth and collaboration—this is your moment!

Apply today by clicking on the link provided; seize this opportunity to become part of an esteemed team dedicated to excellence in credit risk management.

Due to the high volume of applications we are experiencing, our team will only be in touch with you if your application is shortlisted.