Deskripsi Pekerjaan
We are seeking a competent and analytical Credit Risk Officer to assess, monitor, and manage credit risk exposures of the Bank. At Century Savings Bank, we are committed to maintaining the highest standards of financial integrity and operational excellence. This is a critical role where you will help safeguard the bank's assets while supporting sustainable lending practices.
In this position, you will be responsible for evaluating the creditworthiness of potential borrowers, analyzing financial statements, and identifying potential risks that could affect loan performance. Your expertise will contribute to the development of robust credit policies and the early detection of financial irregularities.
Join a dynamic team in Pasig City where your analytical skills will directly influence the bank's risk profile and long-term profitability.
Tanggung Jawab
- Analyze loan applications and financial statements to determine borrower creditworthiness and risk exposure.
- Monitor existing loan portfolios to identify early warning signs of delinquency or default.
- Develop and refine credit underwriting guidelines and risk assessment models.
- Conduct regular stress tests and scenario analysis to ensure portfolio resilience.
- Prepare comprehensive credit risk reports for senior management and regulatory compliance.
- Collaborate with the lending and collections teams to resolve complex credit issues.
- Ensure strict adherence to all banking regulations and internal risk management policies.
Kualifikasi
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- Minimum of 2-3 years of proven experience in credit risk analysis or commercial banking.
- Strong working knowledge of credit risk frameworks and local banking regulations.
- Proficient in financial analysis tools, MS Office Suite, and credit scoring software.
- Excellent analytical thinking, problem-solving, and decision-making capabilities.
- Strong written and verbal communication skills with the ability to present complex data clearly.
- Must be willing to work on-site in Pasig City, Metro Manila.