The position is responsible for overseeing credit risk management and portfolio performance within the Credit Support Unit. It ensures effective credit evaluation, portfolio monitoring, and the implementation of initial remedial management measures for accounts sourced from Branch Lending Units and branches. The role safeguards portfolio quality through sound risk assessment, strict compliance with policies, proactive issue detection, and close coordination with internal stakeholders to support sustainable credit growth and risk mitigation.

KEY RESPONSIBILITIES 
You will: 

• Supervise and review credit analyses and evaluations of loan proposals from Lending Units using established credit tools, documents, and information sources.
• Ensure holistic assessment of borrower creditworthiness, risk ratings, and mitigating factors for existing and prospective clients.
• Ensure quality, accuracy, and timely completion of account renewals, new borrower evaluations, credit requests, and required reports.
• Assess credit risk ratings and classifications and ensure continued relevance and compliance with bank policies and documentation standards.
• Perform effective portfolio management by identifying early warning signals and initiating remedial management actions for accounts showing signs of weakness or non‑performance.
• Escalate potential risks and problem accounts promptly in accordance with established risk management protocols.
• Drive performance management of the team in alignment with defined Key Result Areas (KRAs).
• Coordinate with Human Resource partners to ensure sufficient staffing levels and implementation of structured capability and career development programs.
• Ensure compliance with the Bank’s Business Continuity Program.
• Handle and coordinate all audit‑related activities in collaboration with Institutional Banking, Credit Risk, Compliance, and other relevant units.
• Partner with Credit Administration, Credit Control and Documentation, Credit Investigation and Appraisal, Legal, and other support units to ensure proper approvals, documentation completeness, and mitigation of collateral or policy deviations.
• Perform administrative duties, supervise credit personnel, and carry out other related functions as assigned by management.

QUALIFICATIONS & REQUIREMENTS: 

• You must have a bachelor’s degree in a business‑related course, preferably Economics, Accounting, or Finance.
• You must have at least 5 years of experience in credit, with focus on commercial and corporate loans.
• You must have prior people management or supervisory experience.
• You must have strong knowledge of credit risk assessment and portfolio management practices.
• You must be proactive in problem‑solving and capable of meeting tight deadlines.
• You must have strong coordination, communication, and stakeholder management skills.

 Work Schedule: Regular shift (8 am – 5 pm) 

Work Setup: Onsite

Credit Portfolio Manager will lead the oversight and strategic management of a commercial and corporate loan portfolio. This role is critical in balancing portfolio growth with asset quality, leveraging strong credit judgment, data-driven insights, and deep understanding of corporate lending risks.

The ideal candidate brings solid exposure to commercial and/or corporate banking, with hands-on experience managing large-ticket loans, portfolio concentrations, and industry-specific credit risks.

KEY RESPONSIBILITIES

You will:

• Manage and monitor the overall health, performance, and risk profile of the commercial and corporate loan portfolio
• Conduct portfolio analytics to identify trends, emerging risks, concentration issues, and early warning signals
• Review and assess credit exposures, including large and complex loan facilities
• Partner closely with Relationship Managers, Credit Officers, and Risk teams to support sound credit decisions
• Recommend portfolio strategies to optimize risk-adjusted returns and improve asset quality
• Monitor compliance with internal credit policies, risk limits, and regulatory standards
• Prepare portfolio reports, risk dashboards, and management updates for senior stakeholders
• Support portfolio stress testing, sector reviews, and credit risk initiatives
• Contribute to continuous improvement of credit risk frameworks and portfolio management practices

QUALIFICATIONS

• Strong experience in commercial and/or corporate lending
• Proven track record in credit portfolio management, credit risk, or loan monitoring
• Exposure to corporate accounts, middle-market to large enterprises, and structured loan facilities
• Strong financial and credit analysis experience.

Work Location: Metro Davao

Work Schedule: Onsite | Day shift | Monday to Friday

The position is responsible for overseeing credit risk management and portfolio performance within the Credit Support Unit. It ensures effective credit evaluation, portfolio monitoring, and the implementation of initial remedial management measures for accounts sourced from Branch Lending Units and branches. The role safeguards portfolio quality through sound risk assessment, strict compliance with policies, proactive issue detection, and close coordination with internal stakeholders to support sustainable credit growth and risk mitigation.

KEY RESPONSIBILITIES 
You will: 

• Supervise and review credit analyses and evaluations of loan proposals from Lending Units using established credit tools, documents, and information sources.
• Ensure holistic assessment of borrower creditworthiness, risk ratings, and mitigating factors for existing and prospective clients.
• Ensure quality, accuracy, and timely completion of account renewals, new borrower evaluations, credit requests, and required reports.
• Assess credit risk ratings and classifications and ensure continued relevance and compliance with bank policies and documentation standards.
• Perform effective portfolio management by identifying early warning signals and initiating remedial management actions for accounts showing signs of weakness or non‑performance.
• Escalate potential risks and problem accounts promptly in accordance with established risk management protocols.
• Drive performance management of the team in alignment with defined Key Result Areas (KRAs).
• Coordinate with Human Resource partners to ensure sufficient staffing levels and implementation of structured capability and career development programs.
• Ensure compliance with the Bank’s Business Continuity Program.
• Handle and coordinate all audit‑related activities in collaboration with Institutional Banking, Credit Risk, Compliance, and other relevant units.
• Partner with Credit Administration, Credit Control and Documentation, Credit Investigation and Appraisal, Legal, and other support units to ensure proper approvals, documentation completeness, and mitigation of collateral or policy deviations.
• Perform administrative duties, supervise credit personnel, and carry out other related functions as assigned by management.

QUALIFICATIONS & REQUIREMENTS: 

• You must have a bachelor’s degree in a business‑related course, preferably Economics, Accounting, or Finance.
• You must have at least 5 years of experience in credit, with focus on commercial and corporate loans.
• You must have prior people management or supervisory experience.
• You must have strong knowledge of credit risk assessment and portfolio management practices.
• You must be proactive in problem‑solving and capable of meeting tight deadlines.
• You must have strong coordination, communication, and stakeholder management skills.

 Work Schedule: Regular shift (8 am – 5 pm) 

Work Setup: Onsite

Locations: Cebu City

The Credit Portfolio Manager is effectively operates, implements initial remedial management measures, as well as, the overall strong credit risk management in the Credit Support Unit. Scope of work covers accounts coming from the Branch Lending Units and the Branches

KEY RESPONSIBILITIES

You will:

• 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 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. 
• Appropriately assess credit risk ratings and classifications and demonstrates strict compliance to documentation and bank policies. 
• 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.
• 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.
• Compliance with the bank's Business Continuity Program.
• Handles any and all audit-related exercises in coordination with other business units (IBS, Credit Risk, Compliance)
• 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, among other things.
• Performs administrative duties, overall supervision of the Credit personnel and other related functions that may be assigned from time to time.

QUALIFICATIONS:

• 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

Work Schedule: Monday to Friday | banking hours

Work Set-up: Onsite

Location: Binondo

The Relationship Manager is expected to originate, develop, review and manage loan portfolio relationships, as well as cross-sell appropriate bank products and services, across target segments, to contribute to the Bank’s objectives in terms of growth, profitability and client satisfaction.

KEY RESPONSIBILITIES

You will:

• Deepen your understanding of account management, business development, marketing and sales
• Meet clients from various industries and understand a bank’s role in the ins and outs of the client’s businesses
• Be mentored by industry experts and achieve a promising career

QUALIFICATIONS:

• 3-5 years of relevant experience in account management
• Strong background in credit evaluation and financial analysis
• With strategic thinking ability and negotiation skills
• Excellent communication (verbal, non-verbal, written and presentation) and active listening skills
• Able to collaborate with cross-functional teams to deliver results

Work Schedule: Monday to Friday | banking hours

Work Set-up: Onsite

Location: Mindanao

The Relationship Manager is expected to originate, develop, review and manage loan portfolio relationships, as well as cross-sell appropriate bank products and services, across target segments, to contribute to the Bank’s objectives in terms of growth, profitability and client satisfaction.

KEY RESPONSIBILITIES

You will:

• Deepen your understanding of account management, business development, marketing and sales
• Meet clients from various industries and understand a bank’s role in the ins and outs of the client’s businesses
• Be mentored by industry experts and achieve a promising career

QUALIFICATIONS:

• 3-5 years of relevant experience in account management
• Strong background in credit evaluation and financial analysis
• With strategic thinking ability and negotiation skills
• Excellent communication (verbal, non-verbal, written and presentation) and active listening skills
• Able to collaborate with cross-functional teams to deliver results

Work Schedule: Monday to Friday | banking hours

Work Set-up: Onsite

Location: Metro Manila

The Credit Review Officer is responsible for the preparation and credit assessment of loan proposals and corresponding borrowers, credit risk and portfolio management, and conformity to internal and external policies.

KEY RESPONSIBILITIES

You will:

• Should ensure consistent and advance coordination with Institutional Banking Segment (IBS) counterparts on the timely submission of pre-approval documents, and the active management of his/her assigned portfolio of accounts together with the lending officer.

• Prepares the Evaluation and Recommendation for Credit Accommodation (ERCA) for credit line renewals of IBS accounts according to policy and in compliance with the agreed Service Level Agreement (SLA) with IBS.

• Validates data provided by lending units as part of the credit assessment.

• Assess the related collateral and documentation deviations and necessary mitigations in relation to the credit assessment.

• Identify all relevant policy and regulatory deviations to arrive at a fair assessment of the overall risks and make the appropriate recommendations.

• Prepare the financial spreadsheet and financial evaluation of new borrowing clients. May be asked to evaluate the ERCA prepared by IBS for the establishment of its credit facilities.

• Determine and assess credit risk rating and classification and ensure these are appropriate and relevant at all times.

QUALIFICATIONS:

• Graduate of Accountancy, Accounting Management, Math, Statistics, Financial Management and Economics

• At least 3 years working experience in credit with focus on commercial and corporate loans

• Strong knowledge in credit risk analysis

• Strong knowledge in financial analysis

• Experienced commercial / corporate Credit Analyst / corporate Relationship Manager

• Having Certified Public Accountant (CPA) license is a plus

Work Schedule: Monday to Friday | banking hours

Work Set-up: Onsite

Location: Metro Manila

The position is responsible for supporting relationship management and client servicing activities by handling daily client requests, maintaining accurate account information, and ensuring completion of loan‑related documentary requirements. It assists in credit evaluation, account coordination, and service delivery to support sound decision‑making, portfolio management, and customer satisfaction. The role works closely with internal units to ensure timely, compliant, and effective banking services for clients.

KEY RESPONSIBILITIES 
You will: 

• Service daily client requests and maintain up‑to‑date account data and client information.
• Ensure completeness and accuracy of loan‑related documentary requirements to support credit assessment and processing.
• Coordinate with internal units to ensure proper account management and timely delivery of banking services.
• Prepare basic analysis and evaluation of client proposals to support credit and business decisions.
• Assist in the preparation of budgets and business plans.
• Support the handling of customer complaints and recommend appropriate solutions.
• Contribute to smooth processing of loan, trade, branch, and treasury transactions.
• Build and maintain positive working relationships with internal and external clients.

QUALIFICATIONS & REQUIREMENTS: 

• You must have a bachelor’s degree in a business‑related or accounting field.
• You must have at least 4 years of experience working in local banks.
• You must have strong organizational, analytical, and multitasking skills.
• You must have excellent verbal and written communication skills.
• You must be detail‑oriented and capable of working collaboratively with multiple teams.

 Work Schedule: Regular shift (8 am – 5 pm) 

Work Setup: Onsite

Locations: Iloilo, Cebu, Samar

The position is responsible for originating, developing, reviewing, and managing a portfolio of loan and client relationships to support the organization’s growth, profitability, and customer satisfaction objectives. It drives business development through relationship management, cross‑selling of appropriate financial products and services, and effective credit evaluation. The role works closely with internal teams and clients across various industries to deliver value‑driven banking solutions while maintaining portfolio quality and strong client partnerships.

KEY RESPONSIBILITIES 
You will: 

• Originate, develop, and manage loan portfolio relationships across target market segments.
• Identify opportunities to cross‑sell relevant financial products and services to existing and prospective clients.
• Conduct credit evaluation, financial analysis, and account reviews to support sound lending decisions.
• Maintain strong client relationships through regular engagement and proactive account management.
• Support business growth and profitability by meeting assigned portfolio and revenue targets.
• Collaborate with cross‑functional teams to deliver client solutions and ensure smooth execution of transactions.
• Prepare account reviews, credit proposals, and client documentation in line with internal standards and policies.
• Monitor portfolio performance and address potential risks or issues in a timely manner.
• Contribute to marketing and sales initiatives to expand the client base and deepen wallet share.

QUALIFICATIONS & REQUIREMENTS: 

• You must have 2–5 years of relevant experience in account management or relationship management in the banking industry.
• You must have a strong background in credit evaluation and financial analysis.
• You must have strategic thinking capability and strong negotiation skills.
• You must have excellent communication skills, including verbal, written, presentation, and active listening abilities.
• You must be able to collaborate effectively with cross‑functional teams to deliver results.

Work Schedule: Regular shift (8 am – 5 pm) 

Work Setup: Onsite

Locations: Bacolod, Cebu, Samar

The position is responsible for preparing and evaluating loan proposals through comprehensive credit assessment of borrowers and portfolios. It supports sound credit decision‑making by performing risk analysis, ensuring compliance with internal policies and regulatory requirements, and maintaining portfolio quality. The role works closely with lending officers and Institutional Banking counterparts to manage assigned accounts, meet service level commitments, and provide accurate credit evaluations that balance growth and risk.

KEY RESPONSIBILITIES 
You will: 

• Prepare and evaluate loan proposals through thorough credit assessment of borrowers and facilities.
• Perform credit risk analysis and support effective portfolio management.
• Ensure strict conformity with internal credit policies, regulatory guidelines, and external requirements.
• Coordinate proactively with Institutional Banking counterparts to ensure timely submission of pre‑approval and renewal documents.
• Manage assigned credit portfolios jointly with lending officers to support sound credit decisions.
• Prepare Evaluation and Recommendation for Credit Accommodation (ERCA) for credit line renewals in accordance with policy and agreed SLAs.
• Validate financial and non‑financial data submitted by lending units as part of the credit assessment process.
• Assess collateral adequacy, documentation gaps, policy deviations, and recommend appropriate risk mitigations.
• Identify policy and regulatory deviations and evaluate their impact on overall credit risk.
• Prepare financial models, spreadsheets, and credit evaluations for new borrowing clients.
• Review ERCAs prepared by business units for the establishment of new credit facilities, when required.
• Determine appropriate credit risk ratings and classifications and ensure they remain accurate and relevant.

QUALIFICATIONS & REQUIREMENTS: 

• You must have a bachelor’s degree in Accountancy, Accounting Management, Financial Management, Economics, Mathematics, or Statistics.
• You must have at least 2 years of experience in credit analysis, with exposure to commercial or corporate loans.
• You must have strong knowledge of credit risk analysis and portfolio management.
• You must have strong quantitative and analytical skills.
• You must be proactive in problem‑solving and able to work under tight deadlines.
• You must have experience as a commercial or corporate Credit Analyst.
• You may have experience as a commercial or corporate Relationship Manager willing to perform credit functions.
• You may be a Certified Public Accountant (CPA) with experience from top accounting or audit firms.
• You may have experience as a Credit Officer handling commercial and consumer loans.

 Work Schedule: Regular shift (8 am – 5 pm) 

Work Setup: Onsite

Locations: Iloilo, Cebu