Auto Loans Underwriting Credit Officer

About the job Auto Loans Underwriting Credit Officer

About the Job

Location: Iloilo

Corporate Level: Junior Officer to Manager

Work Arrangement: On-site

Our Consumer Lending team is looking for experienced professionals to join us in Iloilo City as an Auto Loans Underwriting Credit Officer.

In this role, you will evaluate and make credit decisions on auto loan applications while ensuring compliance with the Banks credit policies, underwriting standards, and regulatory requirements.

You will assess applicant creditworthiness, identify potential risks, and contribute to the achievement of business goals through sound and timely credit evaluation.

Your dream. Our focus.

East West Banking Corporation (EastWest) is one of the largest universal banks in the Philippines and is committed to continuously investing in people, processes, products, and service enhancements while embracing innovation to deliver an exceptional customer experience.

We empower our employees to drive their careers and provide the runway for growth and development. We value teamwork, accountability, and individual initiative. Join us and be part of a highly engaged team and a workplace that promotes development and goal attainment.

Whether youre just starting out or already a seasoned professional, EastWest can help you unleash your potential and bridge the gap between dream and success.

What the role will entail

• Evaluate auto loan applications and make sound credit decisions within prescribed turnaround times.
• Review customer information, income documents, and verification results to assess creditworthiness and repayment capacity.
• Conduct additional credit investigation and verification when necessary to validate applicant information.
• Identify policy deviations, assess associated risks, and recommend appropriate credit actions or mitigants.
• Approve qualified loan applications within delegated authority limits and endorse higher-limit accounts for further approval.
• Ensure compliance with regulatory requirements, KYC standards, anti-fraud controls, and internal credit policies.

What were looking for

• College graduate of any business-related course
• At least two to three years of relevant work experience in credit evaluation, underwriting, lending, banking operations, or a related function.
• Familiarity with credit analysis, risk assessment, and loan underwriting principles.
• Working knowledge of banking regulations, compliance requirements, and KYC processes.
• Strong analytical and decision-making skills with the ability to assess risk effectively.
• Excellent communication, interpersonal, and customer service orientation with a high level of accountability and initiative.

What you can expect from joining our team

• Career development and training opportunities
• Competitive salary package and benefits
• Performance-based incentives and recognition programs to reward high-performing individuals
• Opportunity to work with industry experts and be mentored by them
• Defined career progression paths to guide you in your professional growth