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: General Santos, Zamboanga

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

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

Job Summary:

Responsible for providing independent oversight for any and all activities that may 
subject the Bank to risk. Drives a culture of risk awareness and data-driven decision-
making to protect the organization’s assets, reputation and sustainability while 
supporting strategic objectives of the Bank. The role focuses on achieving key 
outcomes that support the Bank’s long-term objectives through capital optimization, 
risk articulation and accountability, informed decision-making, sustainable and resilient 
operations, best practices, and regulatory compliance. 
1. Effective Risk Management and Mitigation: Ensuring that all potential risks are 
identified, assessed, and mitigated to protect the Bank's assets and reputation. 
2. Regulatory Compliance and Policy Adherence: Full compliance with regulatory 
requirements and internal policies to avoid legal and financial penalties. 
3. Leadership and Development of the Risk Management Group: A highly skilled 
and knowledgeable team capable of effectively managing risk. 
 
Key Result Areas &  Responsibilities 

1. Risk Management and Oversight 
• Lead the establishment and implementation of a Risk Management 
Framework that addresses the identification, assessment, control / mitigation, 
monitoring, and reporting of key risk exposures, including financial, 
operational, reputational, strategic, and other material and/or emerging risks. 
• Exercise oversight on the risk management function of the Bank’s subsidiaries 
and affiliates, ensuring alignment of frameworks and practices as applicable.  
• Foster risk accountability across the Bank 
2. Capital Optimization and Risk Mitigation 

• Lead initiatives for capital optimization and risk mitigation. 
• Identify, assess, and monitor risks associated with capital investments, 
including financial, operational, and market risks. 
• Prepare detailed reports and presentations for executive leadership, 
highlighting capital optimization strategies, risk assessments, and results. 
3. Sustainable and Resilient Operations on Crisis management and Business 
Continuity 
• Promote sustainable and resilient operations by integrating risk management 
practices. 
• Develop and implement business continuity and disaster recovery plans to 
ensure organizational resilience in the face of adverse events. 
• Foster an environment of informed decision-making by providing 
comprehensive risk assessments and actionable insights to senior 
management and the Board of Directors. 
4. Regulatory Compliance and Policy Adherence 
• Ensure and monitor compliance with applicable laws, regulatory requirements 
(e.g. BSP Circulars 749 & 971), and internal policies. 
• Implement and update risk management policies and procedures that reduce 
overall organizational risk exposure. 
5. Leadership and People Development 
• Provide leadership and direction to the Risk Management Group. 
• Mentor and develop team members to enhance their skills and knowledge. 
• Foster a culture of continuous improvement, professional growth, and 
adherence to industry best practices. 
• Drive succession planning initiatives within the group by identifying and 
developing potential successors for critical positions, ensuring a robust talent 
pipeline for future leadership needs. 
6. Additional Responsibilities 
• Perform other related duties as assigned to support the overall success of the 
Bank. 

KPI:

1. Framework development and implementation for all key material and emerging 
risks  
2. Documented, realizable, and time-bound mitigation plans for residual risks 
identified and rated as at least “moderate”. 
3. Alignment of Risk Management practice (as applicable) across the Group 
4. Demonstrated progress of capital optimization initiatives 
5. Frequency and quality of risk reporting to the BOD and Senior Management, 
including proactive discussions of material and significant risk exposures 
6. Retention or improvement of the Bank’s SAFr rating 
7. Demonstrated integration and progress of sustainable and resiliency initiatives 
8. % attainment of Balanced Scorecard objectives. 

The position is responsible for leading and managing the overall operations, marketing strategies, and business development activities of the Center to achieve profitability targets while maintaining portfolio quality and regulatory compliance. It oversees risk management, credit administration, client relationship management, and operational controls to ensure sustainable growth. The role provides strategic direction, supports account officers, and represents the organization in key client, creditor, and industry engagements.

KEY RESPONSIBILITIES 
You will: 

• Lead and manage the overall quality, profitability, and performance of the loan portfolio and related business to achieve volume and income targets.
• Establish long‑term objectives and formulate business strategies and marketing plans aligned with organizational goals.
• Administer, plan, and control Center operations to ensure efficiency, risk mitigation, and compliance.
• Present loan and credit approval memoranda to Executive Committees together with the Center Head and/or Account Officers.
• Set volume, income, and business development targets for Account Officers.
• Conduct regular client calls and site visits with Account Officers to build strong relationships and obtain first‑hand business insights.
• Review credit and loan proposals to ensure proper structuring, risk assessment, presentation, and compliance with policies.
• Ensure completeness and accuracy of documentation required for loan and credit approvals.
• Approve commercial and trade credit transactions within delegated authority limits.
• Ensure strict adherence to banking policies, procedures, and approved credit deviations.
• Represent the organization in syndicate meetings, creditors’ meetings, steering committees, and similar forums.
• Provide technical guidance and hands‑on support to Account Officers during client negotiations and discussions.
• Prepare the annual financial budget of the Center and monitor performance against targets.
• Perform other related duties as assigned by management. 

QUALIFICATIONS & REQUIREMENTS: 

• You must have a bachelor’s degree from a recognized college or university, preferably in Marketing, Business, or a related field.
• You must have at least 10 years of leadership experience in commercial banking.
• You must have strong financial expertise, including financial statement analysis, forecasting, and ROI evaluation.
• You must have in‑depth knowledge of banking regulations and compliance requirements.
• You must have strong market, investment, and economic analysis skills.
• You must have proven expertise in portfolio management and credit risk assessment across diverse clients.
• You must have strong strategic business development skills, including client acquisition, negotiation, and wallet‑share expansion.
• You must be aggressive in a business mindset while maintaining strong relationship‑building capabilities.
• You must be a clear, persuasive communicator capable of articulating complex concepts effectively.
• You must be data‑driven in decision‑making and performance management.
• You must demonstrate customer‑centric leadership and strong stakeholder management skills.
• You must have high emotional intelligence and the ability to empower and develop teams.
• You must be adaptable, resilient, and focused on long‑term objectives amid changing environments.
• You must be able to speak and understand Chinese (Fukien/Hokkien).

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

Work Setup: Onsite, Manila City 

As the Head, Commercial Credit, you plans, supervises and directs activities of the division among which include: evaluation of credit proposals coming from Marketing Group, domestic and International branches & subsidiaries & ensure compliance with internal and external (BSP) policies and validation/correction of financial spreadsheets prepared lending units for the Default Filter.

KEY RESPONSIBILITIES:

You will:

• Handles 2nd tier evaluation of Marketing Divisions 1-3, Visayas branches - Binondo, Makati, QC, and other parts of Central Manila
• Ensures that credit assessments are done according to the quality standards of the Bank.
• Ensures that the Credit Review and Portfolio Manager, Credit Review Officer, and Credit Evaluators are well trained and equipped to perform quality credit assessments.
• Ensures effective performance management and people development
• Ensures that related credit monitoring are done in a timely manner, including but not limited to monitoring and assessing of financial and business performance on a periodic basis for challenged credits
• Ensures that credit risk rating and classification are appropriate and relevant at all times
• Stays on top of the credit portfolio; perform necessary credit calls with IBS partners
• Ensures timely hiring of talent, talent retention, and effective performance management.
• Manage performance of the CSU - CREAD
• Prepares queries to Law Division, Operations Group etc. relative to proposals being evaluated.
• Initiates policy queries/review/amendments to Operations Committee (OPCom/ Business Systems Division.
• Checks/supervises preparation of Summary of Accounts for Board Confirmation Secretary, Head Office Credit Committee (H.O. Crecom) and supervises preparation of weekly agenda, minutes & notification of the members.  Prepares memos to censure lending units of recurring violations. 
• Certifies approvals of Designated Senior Officers, President & Head Office Credit Committee (CreCom) Secretariat and Non-Performing Assets Committee (NPAC).
• Ensures that members & lending units tasked to report to NPAC are properly notified & their proposals are included in the agenda for deliberation Budget Officer for Credit Group.
• Prepares inputs for ALCO & breakfast meetings.
• Affixes final signature (together with the Group Head or Asset. Group Head) on confirmation of credit lines certifications and standby letters of credit issued by lending units terms and conditions of credit approvals as well as internal (Metrobank) and external (Bangko Sentral- BSP) policies and procedures.
• Performs other related functions that may be assigned from time to time.

QUALIFICATIONS:

• Must have a Bachelor’s degree from a college/university, preferably a graduate of Business course.
• At least 10 years experience in middle market - commercial lending.
• At least 3 years equivalent experience leading a team.
• Proficiency in spoken and written Chinese

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
• 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: Pangasinan or Tarlac

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:

• At least 2 years as a Relationship Manager/Account Officer handling commercial loans or corporate loans.
• 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: Pampanga, Tarlac, and Pangasinan