204 Credit Officer jobs in the Philippines

Requirements:

Evaluation and Analysis

• Conducts initial assessment on the corporate borrower and its major shareholders/directors and lay out the necessary and further clarification.
• Together with the Account Officer, conducts interview and ocular inspection with the client to determine the risk profile of the borrower and to validate the business operations.
• Checks the Loandex, NFIS, and other third-party applicable credit bureaus
• Conducts trade checking with borrowers' customers and suppliers;
• Analyzes and validates the submitted bank statements.
• Prepares financial spreadsheet based on the audited financial statements to determine the capacity of the borrower to pay.
• Prepares in-depth credit proposals after gathering all the necessary information which include but not limited to:
• o Company background
• o Financial analysis (Ratios, AFS entry movement – favorable and not favorable)
• o Summary of the trade and bank checking, field visit conducted
• o Recommendation on the loan package
• Prepares 3-year financial projection only when necessary.
• Presents the Credit Proposal to the Excom depending on the credit limit endorsed.

Qualifications:

• Bachelor's degree in Finance, Accounting, Economics or any other related field
• At least 2 years' experience in Credit Evaluation and Financial Analysis of corporate loans.
• Must be analytical and keen on details and with good in oral and written communication skills.
• Has the ability to analyze information and can make recommendations to management.

BENEFITS UPON HIRING:

• 1-2 months Quarterly and Annual Productivity incentive (not guaranteed, depends on company performance and individual performance), HMO (principal only with 110K MBL per sickness per year)

BENEFITS UPON REGULARIZATION:

• Rice subsidy (1,500/month), Paid Leaves (15VL : 15SL), Clothing and Medical Allowance (6,600/year)

 
Join a fast-growing finance team and take your career global—without leaving home

Take your credit career to the next level

GBSS is looking for an experienced and detail-oriented 
Credit Officer – Australian Market
 to join our growing team. If you have a strong background in commercial lending and credit assessment, with proven expertise in the Australian market, this is your chance to deepen your skills, collaborate with dynamic professionals, and thrive in a company that values excellence, teamwork, and career growth.

As a 
Credit Officer
, you'll play a key role in evaluating commercial loan applications, assessing risk, and ensuring compliance with Australian credit policies. From reviewing complex company financials to analyzing real estate valuations, you'll provide clear, well-structured recommendations that drive smart lending decisions. This role requires sharp judgment, financial expertise, and the ability to balance risk with opportunity.

 
Who We Are

At GBSS, we're not your typical offshoring—we believe work should be both 
meaningful and rewarding
. Our culture is built on collaboration, growth, and authenticity. We empower you to bring your skills to the table, learn from top-notch professionals, and succeed in an environment that values your voice.  
Grow with GBSS, where your potential meets opportunity.

 
What You'll Be Doing

• Assess 
  commercial loan applications
   for property and business lending
• Analyze Australian real estate valuations and market trends
• Review and interpret company and business financial statements, including complex structures
• Apply credit policies, lending frameworks, and compliance standards to decisions
• Liaise with brokers, clients, and internal teams for clarifications and verifications
• Prepare clear, accurate credit recommendations for approvals
• Identify potential risks and recommend mitigations

 
About You

• At least 
  3+ years' experience
   in commercial lending or credit assessment (Australia market)
• Strong understanding of Australian property markets and valuation principles
• Skilled in analyzing company financials and business structures
• Knowledge of credit policies, compliance, and responsible lending practices
• Excellent written and verbal communication skills
• Detail-oriented, organized, and comfortable managing multiple priorities

 
Why Join Us?

• HMO Benefit + free dependent
• Leave accrual upon hiring
• Wellness perks
• Client-initiated benefits
• Career growth opportunities with continuous skill development

 
Ready to grow your career with GBSS?
 Apply now and bring your expertise to a team that values excellence, collaboration, and innovation

• Ensures that all processes/transactions/decisions are in accordance with established TFSPH policies, credit requirements and that required turnaround times are met.
• New Client

Pre-screen application whether for fast track or regular processing

Review the completeness and correctness of Auto Loan Evaluation Worksheet and Credit Review and Analysis Memorandum(for Fleet account) prepared by Credit Analyst.

• Existing Client

Ensures that existing loans and related accounts are included in the Auto Loan Evaluation Sheet and Credit Review and Analysis Memorandum prepared by the credit analysts

See to it that loan exposure are properly approved by the approving officers with proper lending authority

Checks if existing line is still within the approval validity

• Ascertains compliance with all terms and conditions of previously approved accommodations relative to new applications
• Recommends approval of loans within the confines of existing policies and procedures.
• Monitors status of loan applications to ensure accurate credit decisions are reached within the required turnaround time
• Attends to queries/ follow-ups regarding loan proposals and other credit matters within the required turnaround time.
• Coordinates with and advises Sales personnel on the status of their loan applications and other matters specifically related to the approval process. Attends to internal client queries and follow-ups.
• Recommends and actively participates in the implementation of any program geared towards improving the Unit's productivity and service quality
• Prepares reports, as requested by superiors.
• Attends seminars and training programs related to the job.
• Identifies and manages credit risks in loan proposals and recommends measures to mitigate, if not prevent, these risks.
• Regularly reviews unit workflow and procedures, and recommends ways to improve efficiency of transactions and service quality and contribute to the goals of the company
• Reviews and evaluates financial statements, credit investigation reports, inspection and appraisal reports and summary of exposure.

QUALIFICATIONS:

• Bachelor's degree holder preferably in Business Management, Marketing, Accountancy, Financial Management.
• At least 3-5 years' experience in financial or similar industry.
• Excellent communication skills

The role is responsible for evaluating the financial health and creditworthiness of clients, conducting in-depth financial analysis, and preparing credit proposals for corporate accounts—particularly in the vehicle and construction sectors. This is an ideal opportunity for professionals with strong finance, credit evaluation, and client management experience.

Reporting Line:

Reports to: Credit Officer for Corporate Accounts

Key Responsibilities:

• Conduct client interviews and site inspections to evaluate credit risk
• Prepare detailed financial analyses to assess a client's repayment capacity
• Draft in-depth credit proposals with supporting data and documentation
• Monitor credit portfolio performance and manage overdue accounts
• Ensure compliance with internal credit policies and regulatory requirements
• Maintain strong client relationships and ensure a seamless credit process
• Collaborate with cross-functional teams to support credit decisions

Qualifications:

• Bachelor's degree in Finance, Accounting, Business Administration, or related field

• 3–5 years of experience in credit evaluation, financial analysis, and vendor management

• Preferably with industry background in commercial vehicle or construction equipment financing

• Prior experience assessing corporate loans is highly preferred

• Strong analytical and decision-making skills

• Excellent written and verbal communication abilities
• Detail-oriented with solid documentation and reporting experience
• Ability to work both independently and within a team
• Must be willing to conduct field inspections and client visits
• Must be able to make sound recommendations based on financial assessments

Work Schedule

• Monday to Friday
• 8:00 AM to 5:00 PM
• Onsite

About the Job

Location:
Davao

Corporate Title
: JO-SM

Work Arrangement:
Onsite

Our
Consumer Lending Team
is looking for
experienced professionals
to join us in
Davao
in the role of
Credit Officer.

As a
Credit Officer
, you will ensure that verifications are complete and thoroughly done, perform independent credit analysis, and make recommendations. Responsibilities include underwriting loans, making approval decisions, and identifying cases needing higher-level review.

Your dream. Our focus.

East West Banking Corporation (EastWest) is one of the largest universal banks in the Philippines, and is committed to continuously invest in people and in process, product, and service enhancements, and embrace new ideas to enhance the EastWest experience.

We empower our employees to drive their careers and are committed to provide the runway for them to grow. We value teamwork and individual initiative. Join us and be part of a highly engaged team, and a workplace that promotes development and goal attainment.

Whether you're just starting out, or already a seasoned professional, EastWest can help you unleash your potential, and bridge the gap between dream to success.

What the role will entail

• Underwriting and deciding on loan applications within delegated authority and within service level standards.
• Delivers the required number of approvals to achieve business targets/financial goals.
• Ensures that risks and deviations are properly identified, mitigated, and escalated to the proper delegated approving authority.

What were looking for:

• At least a Bachelor's/College Degree in Business Studies/Administration/Management, Commerce, Economics, Finance/Accountancy/Banking or equivalent.
• At least 2 years of work experience in the related field is required for this position.
• Has working knowledge of credit underwriting and analysis for any of the consumer lending products auto loans, mortgage loans, personal loans, and credit cards.
• Attentive to details and able to communicate well.

What you can expect from joining our team

• Career development and training opportunities
• Competitive salary package and benefits
• Performance-based incentives and recognition programs to reward high-performing individuals
• Opportunity to work with industry experts and be mentored by them
• Defined career progression paths to guide you in your professional growth

To know more about us, and our career opportunities, visit

Role Overview

This position is responsible for assessing the financial health and creditworthiness of clients by conducting comprehensive financial analyses and preparing well-documented credit proposals for corporate accounts.

Key Responsibilities

• Conduct client interviews and on-site inspections to assess credit risk
• Perform in-depth financial analyses to evaluate repayment capacity
• Prepare detailed and well-supported credit proposals with relevant data and documentation
• Monitor the performance of the credit portfolio and manage overdue accounts
• Ensure adherence to internal credit policies and regulatory requirements
• Build and maintain strong client relationships to support a smooth credit process
• Collaborate with cross-functional teams to facilitate sound credit decisions

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field
• 3–5 years of experience in credit evaluation, financial analysis, and vendor management
• Strong background in corporate and business loans is highly preferred
• Excellent analytical and decision-making abilities
• Strong written and verbal communication skills
• High attention to detail with solid experience in documentation and reporting
• Proven ability to work independently as well as collaboratively within a team
• Willingness to conduct field inspections and client visits as needed

Job Type: Full-time

Pay: Php50, Php60,000.00 per month

Work Location: In person

Job Summary

The position is primarily responsible for the credit evaluation and credit decision for all consumer products (Credit Cards, Auto Loans, Home Loans & Personal Loans) applications received and processed (both retail and corporate). Ensures accuracy of data in the system prior to credit decision, and in accordance with established credit policies and procedures.

Responsibilities:

• Evaluates application based on available data, deduped results and verified information.
• Renders appropriate credit decisions and performs system confirmation if within credit delegated authority.
• Recommends credit decision and forwards application to the appropriate approver for system confirmation for applications not within the credit delegated authority.
• Updates / checks the accuracy of data encoded in the system prior to confirmation of decided applications.
• Prepares and submits an accurate Daily Productivity Reports on a timely manner.

Qualifications:

• Must be a bachelor's degree holder.
• At least 2 years of experience in retail credit review (covering the area of application processing and evaluation) gained from bank or other financial institutions.
• Good understanding of basic credit card system / solutions.
• Willing to work on site and be assigned in Ortigas.

• Ensures that all processes/transactions/decisions are in accordance with established TFSPH policies, credit requirements and that required turnaround times are met.
• New Client

Pre-screen application whether for fast track or regular processing

Review the completeness and correctness of Auto Loan Evaluation Worksheet and Credit Review and Analysis Memorandum(for Fleet account) prepared by Credit Analyst.

• Existing Client

Ensures that existing loans and related accounts are included in the Auto Loan Evaluation Sheet and Credit Review and Analysis Memorandum prepared by the credit analysts

See to it that loan exposure are properly approved by the approving officers with proper lending authority

Checks if existing line is still within the approval validity

• Ascertains compliance with all terms and conditions of previously approved accommodations relative to new applications
• Recommends approval of loans within the confines of existing policies and procedures.
• Monitors status of loan applications to ensure accurate credit decisions are reached within the required turnaround time
• Attends to queries/ follow-ups regarding loan proposals and other credit matters within the required turnaround time.
• Coordinates with and advises Sales personnel on the status of their loan applications and other matters specifically related to the approval process. Attends to internal client queries and follow-ups.
• Recommends and actively participates in the implementation of any program geared towards improving the Unit's productivity and service quality
• Prepares reports, as requested by superiors.
• Attends seminars and training programs related to the job.
• Identifies and manages credit risks in loan proposals and recommends measures to mitigate, if not prevent, these risks.
• Regularly reviews unit workflow and procedures, and recommends ways to improve efficiency of transactions and service quality and contribute to the goals of the company
• Reviews and evaluates financial statements, credit investigation reports, inspection and appraisal reports and summary of exposure.

QUALIFICATIONS:

• Bachelor's degree holder preferably in Business Management, Marketing, Accountancy, Financial Management.
• At least 3-5 years' experience in financial or similar industry.
• Excellent communication skills
• Know how to use the MS Office applications (Word/Excel)

Job Types: Full-time, Permanent

Pay: Php25, Php30,000.00 per month

Benefits:

• Company Christmas gift
• Health insurance
• Life insurance
• Opportunities for promotion
• Paid training
• Pay raise
• Promotion to permanent employee
• Staff meals provided

Work Location: In person

COMPANY PROFILE: This financial services firm began in financing and purchasing cars 8 years ago. They are thought to be among the top financial firms in Japan.

Position: Credit Officer (Auto Loans)

Company Industry: Financial Services Company

Work Location: Pasig City

Work Schedule: Weekends Off (Dayshift)

Salary: Negotiable depending on years of working experience

Work Set Up: Work on Site

JOB REQUIREMENT:

• Bachelors degree holder of any related course.
• With at least 2 years of experience in auto loan process and evaluation.
• Has experience working in a Japanese Company is an advantage.
• Amenable to work on site
• Amenable to attend face to face interview once requested.

JOB RESPONSIBILITIES:

• Will directly report to the Filipino Credit Officer Heads.
• Handle Credit Evaluation for Auto Loans.
• Handle decision making of Secured / Unsecured loans
• Other tasks to be assigned related to Credit operations.

RECRUITMENT PROCESS:

• Initial Interview (Phone)
• Final Interview (Face to Face)
• Job Offer

Look for Ms. Kendra

Job Type: Full-time

Pay: Php25, Php35,000.00 per month

Work Location: In person