Credit Review Officer

About the Job

Location: Taguig City

Corporate Title: Junior Officer to Senior Manager

Work Arrangement: Hybrid

Our Credit Management Team is looking for experienced professionals to join us in Taguig City in the role of Credit Review Officer.

In this role you will provide a thorough and independent assessment of the credit quality of the bank's corporate accounts portfolio and evaluate credit risks from risk-taking units, including conducting periodic, independent Portfolio Quality Reviews (PQRs) for the Board.

Your dream. Our focus.

East West Banking Corporation (EastWest) is one of the largest universal banks in the Philippines, and is committed to continuously invest in people and in process, product, and service enhancements, and embrace new ideas to enhance the EastWest experience.

We empower our employees to drive their careers and are committed to provide the runway for them to grow. We value teamwork and individual initiative. Join us and be part of a highly engaged team, and a workplace that promotes development and goal attainment.

Whether you're just starting out, or already a seasoned professional, EastWest can help you unleash your potential, and bridge the gap between dream to success.

What the role will entail

• Perform independent credit review and risk rating of corporate accounts managed by Corporate Banking Group (CBG), Treasury, and Trust, ensuring the appropriateness of recommended credit ratings.
• Maintain and update the credit risk rating framework to ensure its continued relevance and compliance.
• Monitor impaired CBG accounts, including reviewing past-due reports and vetting Discounted Cashflow Reports prepared by CBG.
• Conduct interim reviews of watchlisted and adversely classified accounts to proactively manage credit exposure.
• Execute credit due diligence on proposals for covered businesses, ensuring proper evaluation of the 5 Cs of Credit (Character, Capacity, Capital, Collateral, Conditions).
• Conduct credit evaluations for various areas, including Treasury counterparties (banks/FIs) and Mortgage developer accreditation for the End-buyer Financing Program.
• Support the Loan Committee process by preparing minutes and vetting final Communications/Memoranda (COMs) for compliance with required mandates.

What we're looking for

• Holder of a Bachelor's degree
• Possess 3-5 years of professional experience in a credit analysis or account management capacity
• Strong foundation in core technical competencies including Credit Analysis, Finance, Accounting, and Economics, complemented by excellent oral/written communication and presentation skills.
• Demonstrate key behavioral competencies such as intuition, independence, objectivity, keen attention to detail, and a flexible, results-driven, and open-minded approach.

What you can expect from joining our team

• Career development and training opportunities
• Competitive salary package and benefits
• Performance-based incentives and recognition programs to reward high-performing individuals
• Opportunity to work with industry experts and be mentored by them
• Defined career progression paths to guide you in your professional growth