Assistant Manager - Credit

Assistant Manager – Credit

Location: Talamban, Cebu City

About the Role

We are looking for an experienced and analytical Assistant Manager – Credit to support the evaluation, approval, and monitoring of credit applications while ensuring sound credit risk management practices and portfolio quality.

The successful candidate will oversee credit assessment activities, monitor credit exposures, and work closely with business units to support growth while minimizing credit risk.

Key Responsibilities:

• Review and evaluate credit applications to ensure compliance with company credit policies and risk standards.
• Monitor portfolio quality, credit exposures, and risk indicators to minimize defaults and bad debts.
• Conduct credit analysis and recommend appropriate credit decisions and limits.
• Ensure timely and accurate processing of credit applications and approvals.
• Support the implementation and continuous improvement of credit policies and procedures.
• Analyze credit trends and portfolio performance to provide risk management recommendations.
• Coordinate with Sales, Operations, and Collection teams to ensure effective credit management.
• Prepare credit reports, portfolio analysis, and management dashboards.
• Ensure compliance with internal controls, regulatory requirements, and company policies.
• Lead and develop the credit team to achieve operational and business objectives.

Qualifications:

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field.
• Minimum of 3–5 years of experience in credit analysis, credit risk management, or underwriting, preferably within financing, banking, or lending industries.
• At least 2 years of supervisory or leadership experience is preferred.

Skills and Competencies

• Strong knowledge of credit analysis and risk assessment principles.
• Experience in loan underwriting and portfolio monitoring.
• Strong analytical and decision-making skills.
• Excellent communication and stakeholder management abilities.
• Proficiency in Microsoft Excel and financial analysis tools.
• High level of integrity, attention to detail, and professionalism.