Decisions Officer Virtual Career Fair - June 20, 2025

apartmentMetropolitan Bank and Trust Company placeSanta Ana scheduleFull-time calendar_month 

Be #InGoodHands with Metrobank

Here at Metrobank, we don't simply hire employees-we hone future leaders. We provide opportunities that enhance your skills and unlock your talents, helping you evolve into a well-rounded individual. We supply you with all the pieces you need to do your best work, unleashing your full potential to help you secure your future and lead a fulfilling career.

And with Metrobank's strong heart for the community, you have the chance to give back and make worthwhile contributions to our nation's economic and social development.

With Metrobank, a meaningful life is within your reach!

Position Title: Decisions Officer

Job Summary:

Responsible for evaluating and deciding on retail credit risks involving Consumer (Metrohome and Metrocar) loan applications using the credit parameters set forth by the Bank and external regulators (e.g. BSP) to maintain loan portfolio without sacrificing credit quality and the Division's objective of maximizing profit and committed turnaround time.

Duties and Responsibilities:

  • Conduct a sound and tight credit evaluation of retail loan Borrowers through an objective/impartial assessment of their personal and professional profile (character, management/financials, product lines or business lines) using the credit parameters set forth by the Bank
  • Exercises single approving authority with limits as delegated by the EXCOM for Metrohome and Metrocar loans
  • Exercises judgement whether application being reviewed/evaluated will be recommended for approval, disapproval or place on hold pending submission of other requirements or further checking are still to be conducted and ensures that approval of proper authority is sought on cases of deviations from the approved guidelines:
  • Decides based on the merits of the account and deviations within delegated authority limits
  • Uses ILAPS in reviewing borrower's profile, capacity to pay and acceptability of collateral
  • Checks correct total exposure, exposes deviations and ensures that proper justifications and mitigants are provided and appropriate approval is sought
  • Reviews validated checking/information gathered conducted by Credit Verifiers (CVs)
  • Coordinates with RMs/AOs regarding KYC on loan borrowers (personal information, affiliations, businesses, related accounts, nature of credits on deposits, explanation on adverse findings/checkings, etc.)
  • Assists in follow-ups and requests for additional checking which is necessary for the account
  • Prepares appropriate approval media for routing to credit committees
  • Recommends or make a decision to either approve or disapprove an account highlighting both the merits and red flags on the account
  • Prepares the proper notification scripts in the notepad which are lifted by Front End Section to notify AOs/branches regarding status of accounts
  • Explains to AOs/branches decision of the credit committee, when necessary
  • Maintain an effective and cordial relationship with the lending and marketing units by:
  • Assisting them on inquiries pertaining to status of retail accounts and requirements
  • Informing them of the possible risks involved in major reconsideration request by highlighting deviations accordingly
  • Discussing and suggesting ways to adequately cover the Bank from marginal risk account brought about by marketing considerations
  • Provide pro-active feedback on credit processes, criteria, policies and procedures which become input for changes in the lending programs
  • Addresses queries regarding validation and evaluation concerns

Qualifications:

  • Bachelor's degree holder; preferably graduate of business course
  • Atleast 2-3 years working experience in the banking industry, preferably loan applications for car and home
  • Has a broad understanding on retail consumer business
  • Proficient in the following Microsoft applications: Word, Excel and PowerPoint
  • Credit and Financial Analysis

Other Details:

Rank: Junior Officer

Location: Ayala, Makati

Pre-registered candidates will receive an email with further details and an official invitation.

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