**JOB OBJECTIVE**:
Under general direction,responsible for the implementation of strategies and policies aimed at maximizing operational profitability through sound identification and evaluation of the credit worthiness of an individual.
**DUTIES AND RESPONSIBILITIES**:
**A.Credit Evaluation and Management**
**B.Credit Risk**
Analyzes the current loan portfolio and identifies means to maximize financial resource through efficient credit evaluation
**C.Client Credit Transaction Monitoring**
2.Ensures that all existing client's payment performance is monitored and given the evaluation and recommendation before its maturity period.
3.Checks the loan applicant's name in the Negative file List and follow credit policy for such accounts.
4.Ensures that customer information is updated including collateral, credit limits and net disposable income.
5.Ensures that transaction records, such as such as approved loan amount, reasons for approval with deviation, reason of disapproval of accounts and disbursement type are updated on a real-time basis.
**D.Reports Management**
1.Prepares, submits and presents regular Management Reports, and other ad-hoc reports.
**E.Corporate Planning and Deliverables Monitoring**
1.Participates in strategic and operational planning activities of the company.
2.Prepares, submits and presents reports relative to the development of plans and assessment of departmental output at any given time
**F.Business Process Improvements and Process Documentation**
1.Analyzes and evaluates current workflow by initiating business efficiency studies such as time and motion study and the like
2.Revisits existing policies, procedures and work instructions and identifies areas that can be improved.
3.Creates innovative projects and documents policies and procedures to improve over-all departmental efficiency
**G.Personnel Management**
Exercises administrative control over all activities and staff under his management with respect to work load distribution, personnel placement, performance appraisal, training, teamwork, morale, attendance, discipline and work behavior
**H.Performs other functions as directed by the management from time to time.
**
Schedule:
- Day shift
Ability to commute/relocate:
- Ortigas Pasig: Reliably commute or planning to relocate before starting work (required)
**Experience**:
- Credit Management Department Head: 5 years (preferred)