Loan Management Department Head

Job Title: Loan Management Department Head
Department: Loan Management
Location: Cavite
Work Schedule: Morning, On-site

Responsible 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 Officer

• Credit Analyst

• Collection and Acquired Asset Management Section Head

III. Duties and Responsibilities

Planning and Direction-Setting

• Develop and implement annual operating and business plans aligned with strategic objectives

• Formulate credit risk management strategies (short-term and long-term)

• Create, review, and update credit policies, procedures, and bulletins

Bank Asset and Loan Portfolio Management

• Oversee loan pricing/re-pricing, allowance for credit losses, and loan loss provisioning

• Revise credit policies based on reviews and analytics to manage risk

• Manage credit portfolios including NPLs, ROPA, and restructured loans

• Conduct regular credit and portfolio performance reviews

• Ensure compliance with regulatory portfolio limits (e.g., SBL, concentration risk)

Risk Management and Reporting

• Identify opportunities to improve risk decision-making through data modeling and analytics

• Participate in the development of credit scoring and risk rating models

• Monitor, calibrate, and enhance ECL models and credit scorecards

• Approve recovery plans for delinquent loans

• Prepare and present credit risk reports to the Risk Committee

• Address audit findings and regulatory compliance issues

Leadership and Management

• Propose departmental goals, budgets, and performance metrics

• Direct and coordinate team activities for operational effectiveness

• Guide the career growth and performance of team members

• Approve time-off and oversee work schedules of direct reports

Others

• Stay updated on industry trends and economic factors influencing credit risk

• Recommend process improvements and maintain up-to-date manuals

• Actively engage in meetings, training, and development activities

• Perform other tasks as assigned