About Security Bank We are the Philippines’ largest independent bank, having won countless awards over the years including the most prestigious industry award in both 2015 and 2016-the Bank of the Year – Philippines by The Banker. We’re changing how people bank. From the moment customers enter our branches to their experience online, we make them feel valued and empowered. Now, with more than 300 branches spanning the country, BetterBanking has become the gold standard in improving the banking lives of millions of Filipinos. But we’re far from done. In our constant pursuit of excellence and improvement, we create teams that support our business and each other. The Role The Enterprise Risk Manager evaluates potential borrowers of the banks according to the inherent risks and opportunities that the Bank may be able to undertake. Recommends the appropriate facilities with mitigants in place to safeguard the interest of the Bank. How you’ll contribute Conducts interview and ocular inspection with the client to determine the risk profile of the borrower/ client. Prepares financial analysis based on the data gathered to determine capacity of the client to pay. Keeps updated with the credit policy manual/risk bulletins to ensure compliance with Bank’s credit policies as well as other governing policies. Collaborates with Relationship Managers in the loan packaging while identifying credit risk and acceptable mitigants for recommendation to approvers. Plans interim extension/client calls or information gathering such as AFS, bank checkings, appraisals in advance to ensure renewal is on time and to avoid expired lines. Prepares credit proposal with all the information gathered and internal tools to be presented to Credit Committee and Executive Committee. Presents the credit proposal to Credit Committee to aid the team in achieving its goals. What we’re looking for Candidates should have at least 1-2 years of relevant experience Must have knowledge of basic accounting and credit policies; Knowledge of financial analysis and good written communication skills. Ability to communicate effectively with all levels of the organization and external parties; inquisitive