What's your job about?
At Security Bank Corporation, our division within the Wholesale Banking Segment— the Combank Enterprise Risk Evaluation Division—specializes in handling credit evaluations for businesses. We assess companies' financial statements, backgrounds, and other relevant details to determine their eligibility for loans or credit. Our work involves setting meetings with business representatives to update us on their company status and explore potential credit offerings.
In my role, I focus on analyzing businesses' financials, conducting thorough background checks, and assessing risks to determine creditworthiness. A typical day might involve reviewing financial documents, preparing credit assessment reports, meeting with clients to discuss updates, and collaborating with my team to decide on loan approvals or credit terms. Think of it as being a detective for business finances—piecing together all the details to ensure we make informed decisions on lending.
What's your background?
I grew up in the bustling city of Manila, where I developed a strong foundation for my academic and personal growth. Since Grade 7, I’ve been a part of the University of Santo Tomas, where I am currently pursuing a degree in BS Accounting Information System. My passion for learning and making the most of my time has always driven me to join various organizations and engage in activities that keep me productive. These experiences have shaped my understanding of teamwork, leadership, and time management.
Throughout my college years, I have taken on several internships, including roles as an Accounting Intern and a Physical Count Intern. These opportunities allowed me to gain practical experience and a deeper appreciation for the field of accounting. During a Career Fair at our university, I discovered an opportunity with Security Bank Corporation and decided to apply for a summer internship. This decision was a significant turning point for me. I was drawn to their commitment to growth and innovation, aligning perfectly with my career aspirations. I have been working at Security Bank since then, contributing to the team and learning the ropes of credit evaluation. Each step in my journey—from my early education to internships—has been crucial in shaping who I am today, fueling my ambition to grow further in my professional career.
Could someone with a different background do your job?
Yes, the people at Security Bank Corporation are eager to train new recruits without prior knowledge. The company values growth and development, providing comprehensive training programs to help newcomers understand the industry and their roles. This supportive environment fosters learning and encourages asking questions.
For my job, one should be detail-oriented, analytical, and have strong problem-solving skills. Good communication and a willingness to learn are essential, as the role involves understanding complex financial information and working with different stakeholders to assess risks and make informed decisions on credit evaluations.
What's the coolest thing about your job?
What I love most about my job is meeting with clients and understanding their business stories and needs. I enjoy the challenge of analyzing their financials and creating a solid credit proposal that aligns with both their goals and the bank's criteria. It’s rewarding when a proposal I’ve worked on gets approved, knowing my analysis and recommendations directly contributed to a positive outcome. These moments reassure me that I’m on the right path, using my skills to make impactful financial decisions that support businesses in achieving their growth objectives.
What are the limitations of your job?
At Security Bank Corporation, a healthy work-life balance is maintained, so I rarely work on weekends. However, my role does come with significant responsibility, particularly in accurately assessing clients’ creditworthiness. One of the biggest limitations is the need for persistence in following up with clients for their updated documents, which can be time- consuming and require strong communication skills. Additionally, the job can be mentally demanding, as it involves thorough analysis and decision-making. Anyone considering this career should be prepared for the challenges of constant client interaction and detailed financial scrutiny.
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