loan Management department headHRTX

Job Title: Loan Management Department Head
Department: Loan Management
Location: Cavite
Work Schedule: Morning, On-siteResponsible for the overall management of the banks asset and loan portfolio to ensure effective implementation of credit control functions. Oversees non-performing loans, acquired assets, loan provisioning, and concentration risks, while ensuring compliance with internal credit policies and regulatory standards.Supervises:Credit Admin OfficerCredit AnalystCollection and Acquired Asset Management Section HeadIII. Duties and ResponsibilitiesPlanning and Direction-SettingDevelop and implement annual operating and business plans aligned with strategic objectivesFormulate credit risk management strategies (short-term and long-term)Create, review, and update credit policies, procedures, and bulletinsBank Asset and Loan Portfolio ManagementOversee loan pricing/re-pricing, allowance for credit losses, and loan loss provisioningRevise credit policies based on reviews and analytics to manage riskManage credit portfolios including NPLs, ROPA, and restructured loansConduct regular credit and portfolio performance reviewsEnsure compliance with regulatory portfolio limits (e.g., SBL, concentration risk)Risk Management and ReportingIdentify opportunities to improve risk decision-making through data modeling and analyticsParticipate in the development of credit scoring and risk rating modelsMonitor, calibrate, and enhance ECL models and credit scorecardsApprove recovery plans for delinquent loansPrepare and present credit risk reports to the Risk CommitteeAddress audit findings and regulatory compliance issuesLeadership and ManagementPropose departmental goals, budgets, and performance metricsDirect and coordinate team activities for operational effectivenessGuide the career growth and performance of team membersApprove time-off and oversee work schedules of direct reportsOthersStay updated on industry trends and economic factors influencing credit riskRecommend process improvements and maintain up-to-date manualsActively engage in meetings, training, and development activitiesPerform other tasks as assigned
HRTx

Cavite City, Cavite
Permanent
Full-time