Credit Manager

Credit Manager Job Description: The Credit Manager is primarily responsible in managing a team of Credit Analysts, ensures that they adhere to SOP and Credit policies and help contribute to their individual growth to be potential leaders in the future. Responsibilities: Credit Operations Ensures defined targets are met by the team (TAT, Errors, Processed Applications, Approval Rate) Decides on applications within the appropriate Delegation of Authority. People Management Develops and manages a skilled and effective workforce composed Credit Analysts geared and committed to maintaining a sound portfolio that will ultimately contribute in the achievement of the goals of the loans business of the bank. Asset Quality Ensures effective implementation of credit policies and guidelines Provides relevant inputs on portfolio management to achieve satisfactory asset quality while maintaining Non-Performing Loans at acceptable level Compliance Monitors and manages Credit systems and processes to ensure that all operational procedures are conducted in accordance with external regulations as well as with internal audit requirements. Customer Service Ensures delivery of the required services of the clients within the set turn-around time and accuracy without prejudicing the interest of the Bank Manages and liaises with external service providers as directed Adhoc Generates reports as needed. Undertakes any other duties and responsibilities as assigned by Management from time to time Managament Supports the CEO and senior stakeholders to achieve CIMBs overall business and strategic objectives. Responsible for creating the department/unit/teams vision, culture and performance standards as well as overseeing its adoption in all levels of the department/unit/team. Builds teams with a shared purpose - attracting, developing, engaging and retaining employees allowing them to realize their full potential and the organization to meet its current business needs and prepare for future needs. Role models and drives activities to encourage and build the desired organizational culture, values and reputation in CIMB and with all employees, customers and regulatory/official agencies. Leads the team in delivering high quality service within a culture of customer service and continuous improvement. Ensures suitable metrics are in place to measure performance and progress of the business and employees. Establishes KPIs and reviews overall performance against targets, assesses effectiveness of strategies and makes necessary adjustments as needed. Builds and sustains capabilities to achieve both people and organization objectives. Ensures leadership and business continuity in all key/critical positions in the organization by actively developing identified potential successors. Advocates a positive team environment through teamwork, coaching and mentoring. Performs other functions that may be assigned from time to time. Requirements: Bachelors degree relevant to the job MBA a plus Minimum 3 years work experience in unsecured lending or related discipline Credit Underwriting Consumer Lending He/she must be a member of good standing in the relevant industry, business or professional organization. Proven ability to establish internal and external relationships across all levels Work Setup: Setup: Hybrid (3X onsite per week) Location: BGC, Taguig PH By Applying, you give consent to collect, store, and/or process personal and/or sensitive information for the purpose of recruitment and employment may it be internal to Cobden & Carter International and/or to its clients.