Auto Loans Credit Officer

• Supports the Account Officers with the credit processing including verification and underwriting
• of both simple and more complex Auto Loan applications requiring Committee approvals.
• Ensures that loan accounts are approved in adherence with prescribed policies and procedures
• and in support to credit objectives of the bank.
• Given his experience in consumer loan underwriting, he gives insights and
• recommendations on the Bank’s credit policies and procedures. The incumbent shall ensure
• operating standards, policies and procedures are complied with.
• With delegation approval, the Auto Loans Credit Officer renders judgment on loans processed,
• while providing analytical, detail oriented support for ensuring accuracy and consistency of
• underwriting and documentation quality for all loan requests prior to loan booking.

How will you contribute?

• Possesses skills at data gathering and probing, and is able to perform diligent investigation.
• Safeguards the Bank’s interest thru prudent approval of Auto loan applications, including
• maintaining asset quality where evaluation of the collateral is measured against the credit risk
• associated with it. Has the aptitude to seek acceptable and appropriate justifications to credit
• exceptions cited.
• Ensures data integrity through accurate encoding of credit decisions into the system.
• Warrants accurate and timely preparation of required reports.
• Ensures all stipulated operating guidelines of CMG operations and the general procedures
• and guidelines laid down by the Bank are strictly adhered to.
• Adheres and complies with all applicable regulatory policies and procedures governing
• banks.
• Possesses a detailed working knowledge of the bank’s credit policies and procedures.
• Keeps abreast of updates on the Bank and BSP policies as stipulated in the Money
• Laundering and Terrorist Financing Prevention Program (MLPP) through circulars, required
• seminars/programs and adheres to said policies
• Performs special projects as assigned

What will make you successful?

• At least 2 years experience in credit or underwriting of
• Auto Loans. Preferably with exposure in processing
• other consumer loan products.
• Well-versed in Bank’s policies and procedures, good
• communication skills, ability to draw out information
• during credit investigation
• With relevant experience involving consumer loan
• products and/or other bank loan operations