Credit Operations Officer

Job Category: Accounting & Finance | JR-20459

Job Location: Angeles City, Pampanga

Work with a highly professional, internationally AU-based team and be the Credit Operations Officer we are looking for! This business has a growing team here in the Philippines with a great culture! If you are looking for an opportunity, this could be your next career step.

Why will you love working with this Client?

Our client is a company based in Australia that provides top-notch services for a better banking experience. They have been in this industry for many years now and are amazingly growing. Join their team and grab the chance to have new career opportunities.

Location / Shift

Angeles City, Pampanga, Morning Shift

NOTE: You must be willing to work in the office in the above office location to apply for this position.

Purpose of Role

The Credit Operations Team Member will be responsible for accurately and efficiently opening loan accounts in the Finacle core banking system. This role ensures compliance with internal policies, regulatory requirements, and service level agreements while maintaining high standards of data integrity and customer service.

Key Responsibilities

Loan Account Set Up:

• Create and maintain loan accounts in Finacle as per approved credit proposals.
• Ensure correct mapping of loan parameters such as interest rates, repayment schedules, and charges.
• Creation of customers (CIF) in Finacle as per approved credit proposals.
• Creation of transaction accounts and offset accounts relating to lending applications.
  
  

Documentation & Verification

• Validate all required documentation before account creation.
• Cross-check customer details and loan terms for accuracy and completeness.
  
  

Compliance & Controls

• Adhere to internal credit policies, operational guidelines, and regulatory norms.
• Maintain audit trails and ensure timely reporting of discrepancies.
• Review of various reports to ensure processing within approvals and policy.
• Undertake all system maintenance relating to loans and overdrafts as per approval (i.e., amending interest rates, payment schedules, etc.)
• Proactively identify and flag any system errors
  
  

Coordination & Support

• Liaise with credit teams, branches, and other stakeholders for smooth processing.
• Provide support for resolving queries related to loan account setup.
  
  

System & Process Management

• Ensure proper utilisation of Finacle functionalities for loan operations.
• Identify and escalate system issues or process gaps for resolution.
  
  

Requirements

Communication/Interpersonal: Work well with staff, customers, and external contacts in providing a sound level of verbal and written communication skills in service delivery.

Planning/Organising: Organise own daily actions to effectively achieve the required outputs of the department. Provide accurate and consistent information and take care with work to avoid errors.

Analysis/Problem Solving/Initiative: Refer complex matters for clarification or resolution, identify key issues, and act to diffuse issues before they escalate.

Teamwork: Contribute actively and openly to team communication. Work closely with staff members, focusing on the delivery of work output and results.

Desired Qualifications/Experience

• Prior experience in credit operations or banking back-office functions preferred.
• Working knowledge of Finacle or similar core banking systems (Desirable).
• Strong attention to detail and accuracy in data entry.
• Good understanding of loan products and regulatory compliance.
• Excellent communication and coordination skills.
  
  

Why join optiBPO?

optiBPO is an exciting workplace where you will be surrounded by smart, talented professionals supporting clients across Australia, New Zealand, the US, Canada, and Europe. Moreover, this is an excellent opportunity for anyone interested in taking on the role of Credit Operations Officer within an international environment.

Perks & Benefits

• In-house medical team and HMO coverage.
• A healthy workplace promotes collaboration and creativity.
• Clear growth strategies and learning opportunities to advance your career.
  
  

Enjoy great perks and benefits, such as an in-house medical team and HMO coverage. We maintain a healthy workplace that promotes collaboration, creativity, and teamwork. In addition, we need to help you advance your career by elevating growth strategies. You will also have learning opportunities throughout your career journey with us. If you are passionate about contributing to a dynamic team, the Credit Operations Officer role offers great career prospects at optiBPO.

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