Credit Assistant/ Enterprise Risk Specialist (GenSan)

About the Role

As an Enterprise Risk Specialist/Credit Assistant, you are responsible to evaluate the borrowers or potential borrowers of the banks according to the inherent risks and opportunities that the Bank may be able to undertake. Also, recommends the appropriate facilities with mitigant in place to safeguard the interest of the Bank.

How you will contribute

• Conducts interviews and ocular inspections with the client to determine the risk profile of the borrower/ client.
• Prepares credit proposal with all the information gathered and internal tools to be presented to CRECOM and EXCOM.
• Presents the credit proposal to CRECOM to aid the team in achieving its goals. Prepares financial analysis based on the data gathered to determine the capacity of the client to pay.
• Keeps updated with the credit policy manual/risk bulletins to ensure compliance with Bank's credit policies as well as other governing policies.
• Collaborates with Relationship Managers in the loan packaging while identifying credit risk and acceptable mitigants for recommendation to approvers.
• Plans interim extension/client calls or information gathering such as AFS, bank checkings, appraisals, etc in advance to ensure renewal is on time and to avoid expired lines.

What we’re looking for

• Bachelor’s Degree in Business Studies/Administration/Management, Banking and Finance, Marketing, Financial or any related course
• Knowledgeable in Banking and Financial, Credit (Evaluation/Appraisal) Knowledgeable in the industry of Accounting/Audit/Tax Services, Banking, Investment Houses Ability to communicate effectively with all levels of the organization and external parties; inquisitive
• Must have knowledge of basic accounting and credit policies Must have knowledge in financial analysis and good written communication skills
• Fresh graduates are welcome to apply

About Security Bank

Security Bank is one of the Philippines’ best capitalized private domestic universal banks. Established in 1951 and publicly listed with the Philippine Stock Exchange (PSE:SECB) in 1995, our major businesses cover retail, corporate, commercial, and business (MSME) banking.

We’re recognized as an Employer of Choice in Philippine banking by various award-giving bodies for our values-based culture, industry-leading engagement and benefits, and commitment to work-life balance.

Most recently, we ranked as the #2 best employer in the Philippines and #54 globally on the prestigious Forbes’ World’s Best Employers 2023 list.

At Security Bank, our approach to Human Capital Management (HCM) is embodied by our Employee Value Proposition (EVP): “YOU matter.”

Start your BetterBanking career with us today.