Credit Risk Portfolio Reviewer

Industry Category	Accounting / Finance	Position	Banking / Finance
Recruitment Department		Number Of Recruits	several
Work Location	Metro Manila (NCR) Makati	Nature Of Work	Full Time
Gender Requirements	Male	Marriage Requirement	No marital status restrictions
Education Level	College Diploma	Work Experience	No work experience restrictions
Age Requirement	Above 18 years old	Salary Package	Negotiable
Updated Date	2022-09-27	Valid Until	Valid for a long time

The Role

As a Credit Risk Portfolio Reviewer, you will review the retail credit portfolio of the Bank to determine credit quality and credit process quality and to support the Bank's credit risk-taking activities on the wholesale side by providing the business and credit decision-makers with information on the strengths and weaknesses of the bank's existing portfolio.

How you'll contribute

Gather, interpret and analyze complex financial, market, and credit information using knowledge of the Bank's credit policies and standards and industry and market data to come up with a judgment on the quality of the individual and portfolio credit exposures.Gather, interpret and analyze credit processes undertaken on sample accounts using knowledge of the Bank's credit policies and standards to come up with a judgment on the credit process quality of the business unit, Relationship managers, and credit support units.Re-rate individual credits using the Bank's underwriting standards and ECL model to determine the status or migration of an account's credit quality.Identify and assess critical risks (including concentrations) as well as opportunities based on the Bank's risk appetite and strategic direction for business building or recovery strategy formulation.Recommend policy and process changes through the Business Risk Review exercise prescribed in the Credit Policy Manual to support the business in its risk-taking activities.Conduct portfolio stresses testing by considering strategic and market changes for regulatory and prudential risk management purposes.Communicate and present the results of the credit audit exercise to the concerned relationship managers, business heads, crecom, and the ROC through the Business Risk Review exercise prescribed in the Credit Policy Manual to provide the business, credit decision-makers, the Board, and other stakeholders with a view on the quality of the Bank's credit risk-taking activities.

What we’re looking for

Bachelor's Degree in any fieldAt least 2 years of relevant experience as an industry researcher or industry analyst, preferably in energy, power, or real estateSolid credit experience. SAS experience is a must.Highly analytical, probing, and critical thinker.Independent-minded. Can see beyond what is written in the proposals and in-house data. Can work under minimum supervision. Confident to discuss with and communicate and present to all levels, whether internal or external audience.

About Security Bank We are the Philippines’ largest independent bank, having won countless awards over the years, including one of Euromoney's most prestigious industry awards in 2021—Best Bank in the Philippines.We’re changing how people bank. From the moment customers enter our branches to their experience online, we make them to feel valued and empowered.Now, with more than 300 branches spanning the country, BetterBanking has become the gold standard in improving the banking lives of millions of Filipinos. But we’re far from done.In our constant pursuit of excellence and improvement, we create teams that support our business and each other.