Credit Risk Department Head | Cebuana Lhuillier Bank

The position primarily is responsible for overseeing and managing the credit risks associated with extending credit to individuals or business clients of the bank. The position shall ensure a balanced approach to all credit decisions to avoid potential financial loss resulting from borrower default.

Duties and Responsibilities:

A. Credit Risk Management

1. Develops credit risk programs that outline the criteria for credit approval, terms and conditions, and credit limits.
2. Implements credit policies and procedures that align with the bank's risk threshold and regulatory requirements.
3. Oversees the credit underwriting process to ensure that proper due diligence is conducted before approving any credit applications.
4. Determines the level of risk associated with extending credit to borrowers.
5. Monitors the credit portfolio to identify early signs of credit imbalance. Analyzes the p...