Senior Credit Underwriter

Key Responsibilities

• Assess complex SME credit proposals by analyzing financial statements, cash flows, business performance, industry outlook, collateral, and borrower repayment capacity.
• Establish, review, and enhance underwriting policies, procedures, and credit assessment frameworks to improve efficiency and portfolio performance.
• Partner closely with Business Development, Credit Risk, Collections, Legal, Compliance, and Operations to deliver seamless credit solutions and exceptional customer service.
• Monitor portfolio quality, underwriting trends, and key risk indicators, recommending strategies to mitigate emerging credit risks.
• Ensure compliance with internal policies, Bangko Sentral ng Pilipinas (BSP) regulations, and governance standards.
• Drive continuous process improvements, digital initiatives, and productivity enhancements to improve turnaround times and customer experience.
• Develop, mentor, and lead a high-perf...