Assess complex SME credit proposals by analyzing financial statements, cash flows, business performance, industry outlook, collateral, and borrower repayment capacity.
Establish, review, and enhance underwriting policies, procedures, and credit assessment frameworks to improve efficiency and portfolio performance.
Partner closely with Business Development, Credit Risk, Collections, Legal, Compliance, and Operations to deliver seamless credit solutions and exceptional customer service.
Monitor portfolio quality, underwriting trends, and key risk indicators, recommending strategies to mitigate emerging credit risks.
Ensure compliance with internal policies, Bangko Sentral ng Pilipinas (BSP) regulations, and governance standards.
Drive continuous process improvements, digital initiatives, and productivity enhancements to improve turnaround times and customer experience.
Develop, mentor, and lead a hi...
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