Credit Officer

CREDIT OFFICER

CARDS ACCEPTANCE

ACCOUNT MAINTENANCE UNIT

JOB MANDATE

For Credit Processing-assigned CO: Responsible for the credit evaluation and decision of requests for cards and personal loans through a complete and accurate review of account handling performance and submitted information in accordance to the defined criteria; Accurate maintenance of submitted information based on the account maintenance form/documents, in accordance to the Credit Delegation Approval matrix and established credit policies and processing guidelines.

For Maintenance Quality Review-assigned CO: Review of applications processed and/or cases maintained to determine consistency with established standards and compliance with existing policy, guidelines, and procedures. Support/assist in mitigating operating risk and preventing or minimizing operational loses.

KEY JOB RESPONSIBILITIES

1. OPERATIONAL (65%)

For Credit Processing -assigned CO

• Receive card maintenance requests such as: Credit Limit maintenance, Card Upgrade/Downgrade, Conversion, Card application, Reactivation, Renewal, Supplementary Card Application, Opt-in (dollar account creation), Card Conversion, Auto-Debit Arrangement enrollment/dis-enrollment (ADA), from Call Center, Service Fulfillment Unit, CLG Website and other internal units and other types of account-related requests.

• Evaluate in accordance to the Credit policies and Procedures and render recommendation and or Credit Decision.

• Ensure proper endorsement to appropriate Credit Delegated authorities for higher approval.

• Facilitate system confirmation/maintenance of requests.

• Ensure timely response to the action plan/comments/feedback of the supervising officers and/ or Quality Review/Auditors.

• Maintain error rate/exceptions/findings within the prescribed threshold from the periodic compliance and quality check.

• Maintain objectivity, accuracy, and consistency in handling assigned tasks.

For Maintenance Quality Review-assigned Staff

• Deliver required daily output within set turnaround time.

• Review applications based on the available information and document and provide constructive comment or recommend appropriate decision/action.

• Perform timely and thorough review of accuracy of encoded and maintained requests in the system based on application documents.

• Convey accurate and complete finding to the earing processor for immediate correction and necessary action.

• Report findings and recommending appropriate actions to concerned Team Leaders for correction of errors or completion of information.

• Perform routine evaluation of accuracy and completeness of account details in the system to prevent unnecessary card destruction, to identify need to change card carrier, avoid financial loss and to comply with internal and regulatory standards.

• Prepare and submit report according to agreed format and frequency.

• Update Daily Productivity MIS to reflect actual processed and pending requests.

• Build excellent knowledge on Cards Acceptance systems and guide to conform review to Bank policies and procedures.

2.ADMINISTRATIVE (35%)

For Credit Processing-assigned CO

• Prepare and submit report according to agreed format and frequency.

• Ensure all processed requests are documented and properly signed by the Recommending and Approving Officers.

• Provide the Supervising Officer with the pertinent data for processing and or policy enhancements.

• Provide timely feedback to the Supervising Officer on the following matters:

Credit policy and processing related concerns/issues.

System-related problems encountered that may delay the processing.

• Ensure the information security of the documents and file of the team by strictly implementing the Clean Desk Policy and Confidentiality of information policy.

• Accept workload, shift or work location with minimal training or short notice due to business need or directive.

• Perform other functions as the need arises and can be re-assigned as cross posting from time to time.

For Maintenance Quality Review-assigned CO

• Accomplish administrative requirements.

• Escalate process and system issues.

• Provide feedback to update and improve processes for a more effective and efficient review.

• Maintain high level of confidentiality.

• Secure documents in a locked cabinet to protect customer information.

• Participate in system testing or enhancement activities.

• Perform other tasks that may be assigned from time to time.

BDO Unibank, Inc. provides equal opportunity to all qualified candidates. Hiring decisions are based on job requirements and candidate qualifications, and shall not be influenced by any consideration  of race, color, religion, sex (including sexual orientation and gender identity), national or ethnic origin, or disability.                                                                                                                       Requisition ID: 18704