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Credit Policy Officer

Date:  Sep 25, 2026
Location: 

Makati City, National Capital Region, PH

Business Unit:  Risk Management Group
Department: 

 About BDO
 
BDO Unibank, Inc. is the Philippines’ leading full-service bank, offering a wide range of financial and digital banking services. Guided by our brand promise “We Find Ways,” we are committed to delivering easy, reliable, and customer-focused services. Build your career with a trusted industry leader.

 

Job Summary 

Primarily responsible for developing, reviewing, and maintaining corporate and commercial credit policies and guidelines for Institutional Banking Group, BDO Finance, and BDO Private Bank, to ensure that credit policies remain responsive to regulatory requirements, portfolio developments, business needs, and sound credit-risk management practices.

 

Key Responsibilities:

A. Credit Policy Development and Maintenance

  1. Develops, reviews, and updates corporate and commercial credit policies, guidelines, and related issuances based on regulatory requirements, portfolio developments, business needs, and identified control gaps.

  2. Conducts research, benchmarking, and impact assessments to support proposed policy changes.

  3. Prepares policy proposals, briefing materials, approval documents, and implementation guidance for management and approving authorities.

  4. Coordinates with lending, credit, risk, legal, compliance, operations, and other relevant units in evaluating and finalizing policy proposals.

  5. Periodically reviews existing policies to identify outdated, overlapping, inconsistent, or unclear provisions.

 

B. Policy Implementation and Advisory

  1. Communicates and disseminates approved policies and guidelines to affected units.

  2. Provides timely and well-supported interpretations and clarifications on credit-policy requirements.

  3. Monitors implementation issues and recommends policy clarifications or enhancements when necessary.

  4. Assists in conducting briefings, orientations, and training sessions for lending and support units.

 

C. Policy Governance and Records Management

  1. Ensures that approved policies, procedures, guidelines, and supporting approval records are complete, current, and properly maintained.

  2. Maintains the Credit Policies and Bulletin Database and administers authorized user-access requests.

  3. Reviews credit-related Policies, Procedures and Circulars referred by Enterprise Systems and Knowledge Management to confirm consistency with approved credit policies and guidelines.

 

D. Regulatory, Audit, and Risk Support

  1. Assesses relevant regulatory issuances and recommends required amendments to existing credit policies and procedures.

  2. Supports internal audit, external audit, regulatory examination, and compliance requirements relating to corporate and commercial credit policies.

  3. Assists in monitoring and resolving policy-related findings, exceptions, and control issues.

  4. Performs other credit-policy, portfolio-review, or risk-management assignments as may be required.

 

Qualifications:

  • Bachelor's degree in Business Administration, BS Accountancy, BS Financial Management, BS Banking & Finance or related field.
  • At least three (3) years of actual credit experience in a banking or financial institution.
  • At least two (2) years actual lending experience with a bank or other lending institution.
  • Must be willing to work onsite, conduct fieldwork, and be assigned to either Makati.

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