Credit Head (for BDO Network Bank-MSME)

Job Mandate: This position is primarily responsible for developing and recommending new credit policies in response to customer requirements, internal credit initiatives or emerging market trends. Functions as a liaison to internal departments and aids in surfacing gaps between written procedures and staff execution. Monitors and analyzes performance results, industry sources and internal requests on an ongoing basis.

Responsibilities:

Collaborate and maintain effective partnerships with management, legal, compliance and risk partners to successfully implement new initiatives and maintain regulatory requirements while supporting/ improving end to end service and delivery quality.Identifies new risk and compliance policies or policy enhancements to maintain the quality of the credit portfolio.Monitors credit trends in the portfolio as well as risk and compliance activitiesEnsures that alleged violations of rules, regulations, policies, procedures and standards of conduct are properly addressed.Oversee and coordinate with risk and compliance in the implementation of risk and compliance programs.Study each new law, regulation, policies and guidelines with the following objectives : a) determine the unit/personnel affected; b) provide proper implementation guideline; c) Identify the risk of non-compliance thereof.Conduct annual competence assessment future training needs and introduce remedial action to correct/improve inadequate performance.Undertake periodic review, monitoring and assessment of the portfolio trends and adherence to established policies and guidelines.

Qualifications

Graduate of any 4 year degree course.Must have 5 years related experience preferably within a bank setting.With good oral and written communication skillsFamiliar with credit and risk analysisWilling to to be assigned in one of the following areas: Calamba, Southern Luzon,Northern Luzon, NCR

BDO is a full-service universal bank that provides a wide range of corporate and retail banking services. These services include traditional loan and deposit products, as well as treasury, trust banking, investment banking, private banking, rural banking, cash management, leasing and finance, remittance, insurance, retail cash cards, and credit card services. BDO has the country’s largest distribution network, with over 1,400 consolidated operating branches and more than 4,400 ATMs nationwide.  It also has 18 overseas remittance and representative offices (including full-service branches in Hong Kong and Singapore) in Asia, Europe, North America, and the Middle East.BDO ranked as the largest bank in terms of total assets, loans, deposits, and trust funds under management based on published statements of condition as of December 31, 2020. For more information, please visit www.bdo.com.ph.Product & ServicesThe financial products and services provided by Banco de Oro include:Trade financingForeign exchange and securities dealershipTrust and investment servicesCash management servicesInvestment bankingInsurance productsCredit cards