Average Credit and Loans Officer Salary in Paranaque, Philippines for 2026

In this article, we will look at the average Credit and Loans Officer salary for 2026 in Paranaque and how that compares to other countries and professions. We'll also look at interesting salary data points like median salary, 25th and 75th percentile salaries, salary amounts based on experience, bonus ranges and more!

The data in this article has been compiled using official government salary data, salary surveys, and other sources such as job postings which contain salary information.

All salary information is in the local currency, which is the Philippine peso. To keep things simple, we are using the PHP currency code instead of the currency symbol ₱.

How Much Does a Credit and Loans Officer Make in Paranaque?

A Credit and Loans Officer working in Paranaque will typically earn around 275,500 PHP per year, and this can range from the lowest average salary of about 136,200 PHP to the highest average salary of 431,300 PHP.

Average Annual Salary275,500 PHP
Average Monthly Salary22,958 PHP
Average Lowest Salary136,200 PHP
Lowest Monthly Salary11,350 PHP
Average Highest Salary431,300 PHP
Highest Monthly Salary35,941 PHP

These are average salaries for a Credit and Loans Officer in Paranaque and include benefits such as housing and transport. It's also possible for a Credit and Loans Officer to earn more or less than the average salaries shown above.

Credit and Loans Officer salaries will vary a lot based on your experience, location, skills, and gender. Keep reading below to research more data on each of these areas.

Distribution of Credit and Loans Officer Salaries in Paranaque

So we've looked at the average salaries a Credit and Loans Officer will earn in Paranaque. The next interesting data point is the distribution of salaries.

Salary ranges

We already know that a Credit and Loans Officer can earn between 136,200 PHP and 431,300 PHP on average in Paranaque. This is known as the range in statistics.

The difference between the maximum and minimum values is a good indicator of variability in salaries, and can be used by employers to figure out how much they can expect to pay, and for employees to know how much they can earn.

Median salary

The median salary for a Credit and Loans Officer in Paranaque is 282,300 PHP. This is the middle value in the distribution of salaries.

What this means is that approximately 50% of the population earn less than 282,300 PHP, and 50% of the population earn more than 282,300 PHP.

If you are earning more than the median salary, that's a good indicator that you are being paid well.

If you're not earning more than the median salary, your objective should be to increase your earnings to be at least as high as the median salary (which you can do by asking for a pay rise, looking for a better paying job, etc).

Percentiles

Percentiles are similar to the median salary, but instead of looking at the middle value, they look at the values in the top and bottom half of the distribution.

For the average Credit and Loans Officer salary in Paranaque, 25% of the population are earning less than 189,300 PHP while 75% of the population earn more than 189,300 PHP.

75% of the population earn less than 363,000 PHP, and 25% of the population earn more than 363,000 PHP.

Like the median salary, the 25th and 75th percentile salaries can be used to determine which quartile you fall into so that you know whether you are being paid well enough compared to others in your profession and location.

The difference between a median and an average salary

The median and average salary are both indicators you can use to see if you are being paid fairly based on the overall population.

  • If your salary is higher than the average and the median salary, you are earning well compared to others.
  • If your salary is lower than the average and the median salary, it could indicate you are not being paid well enough.
  • If you are somewhere in between then it's tricky to determine if you are being paid well enough and you might need to research more closely.

Credit and Loans Officer Salary by Experience Level in Paranaque

The most important factor in determining your salary after the specific profession is the number of years experience you have. It stands to reason that more years of experience will result in a higher wage.

We have researched the average Credit and Loans Officer salary based on years of experience to give you an idea of how the average changes once you've worked for a certain amount of time.

  • 0 - 2 Years Experience. A Credit and Loans Officer in Paranaque that has less than two years of experience can expect to earn somewhere in the region of 159,500 PHP.
  • 2 - 5 Years Experience. With two to five years of experience the average Credit and Loans Officer salary would increase to 207,700 PHP.
  • 5 - 10 Years Experience. From five to ten years of experience as a Credit and Loans Officer, the average salary would be 283,700 PHP.
  • 10 - 15 Years Experience. Once you have more than ten years of experience the average salary reaches around 353,600 PHP.
  • 15 - 20 Years Experience. A Credit and Loans Officer with 15 to 20 years of experience can earn an average of 378,800 PHP.
  • 20+ Years Experience. For a Credit and Loans Officer with more than 20 years, the expected average salary increases to 406,300 PHP.

Average Salary by Experience Chart

0-2 Years-
159,500 PHP
2-5 Years+29%
207,700 PHP
5-10 Years+38%
283,700 PHP
10-15 Years+24%
353,600 PHP
15-20 Years+7%
378,800 PHP
20+ Years+7%
406,300 PHP

Credit and Loans Officer Salary by Education Level in Paranaque

As well as experience in a job, your education plays a big role in how much you can earn. A lot of higher paying positions require a high level of education, but how much can a degree increase your salary?

In our research we have compared the salaries of employees in the same job and career level with different levels of education to see how much more you can earn at each education level.

The salary you can earn based on your education is very specific to both your location and the career path you choose.

In our research, we looked at the average salary for a Credit and Loans Officer in Paranaque based on the education level of the employees in order to find out whether a better education level would increase your salary.

  • High School. A Credit and Loans Officer in Paranaque with a high school education can earn an average salary of 207,700 PHP.
  • Certificate or Diploma. A Credit and Loans Officer in Paranaque with a certificate or diploma education can earn an average salary of 296,000 PHP.
  • Bachelor's Degree. A Credit and Loans Officer in Paranaque with a bachelor's degree education can earn an average salary of 409,000 PHP.

Average Salary by Education Chart

High School-
207,700 PHP
Certificate or Diploma+43%
296,000 PHP
Bachelor's Degree+38%
409,000 PHP

How Much is a Master's Degree or MBA Program?

The approximate cost of a master's degree or post-graduate program like an MBA in Philippines is around 223,000 to 669,000 PHP and takes two years to complete.

As you can see above, there are financial benefits from reaching master's degree level, but don't expect to see much of a salary increase until you have completed the degree.

It's common for people to pursue an MBA or other post-graduate program in order to switch to a a job that pays more. On average, you can expect to earn around 10% more when switching to a new company.

Whether you decide to pursue a master's degree depends on many factors. If you are able to afford it, the numbers suggest that the return on investment is worth it and you could recover the costs in a few years from the salary increase you would receive.

Credit and Loans Officer Salary Compared by Gender

In the modern age, we know that there should never be a pay gap between men and women. Unfortunately, in many professions, there is still a significant difference between the salaries earned by men when compared to the salary of women in the same job.

In Paranaque, a male credit and loans officer will earn an average of 290,800 PHP, while a female credit and loans officer will earn around 253,400 PHP.

This means that a male credit and loans officer earns approximately 15% more than a female credit and loans officer for performing the same job.

Average Salary by Gender Chart in Paranaque

Male-
290,800 PHP
Female-15%
253,400 PHP

Credit and Loans Officer Average Pay Raise in Paranaque

In many countries, an annual pay raise is often given to employees to reward their service with a salary increase.

From our research, we can see that the average pay raise for a Credit and Loans Officer in Paranaque is around 10% every 17 months.

The national average pay raise across all professions and industries in Philippines is around 8% every 18 months.

In this case, we can see that the number of months between the average pay raise is higher than the typical 12 months.

To make the data more meaningful, we can calculate what the approximate annual pay raise would be using a simple formula:

Annual Increase = ( Increase Rate ÷ Months ) × 12

So for this example, it would be:

Annual Increase = ( 10 ÷ 17 ) × 12  = 7%

What this means is that a Credit and Loans Officer in Paranaque can expect to receive an average pay raise of around 7% every 12 months.

Annual Pay Raise by Industry in Paranaque for 2026

In the chart below, you can see the average annual pay raise percentages for each of the major industries in Philippines.

You will see that companies in bigger and more lucrative industries tend to have the higher annual pay raises.

Banking-
9%
Energy-
9%
Information Technology-
9%
Healthcare-
9%
Travel-
9%
Construction-
9%
Education-
9%

Credit and Loans Officer Bonus and Incentive Rates in Paranaque

Another part of your overall compensation in a job is how much bonus you receive. Some job roles will be more likely to pay a bonus than others and also more likely to have higher bonus rates.

Generally speaking, jobs that are more involved with direct revenue generation will receive higher bonuses based on the performance towards revenue goals.

A Credit and Loans Officer is a low bonus based job, with 31% of employees reporting at least one bonus in the last 12 months.

69% reported that they had not received any bonuses in the previous 12 months.

For the employees that did receive a bonus in the previous 12 months, the reported bonuses ranged from 0% to 4%.

Received Bonus-
31%
No Bonus-
69%

What are the Types of Bonus?

There are a number of difference types of bonus you can receive in a job. Including:

  • Individual performance bonus - This is a bonus that is awarded to an individual employee for general performance in the job. It's the most common type of bonus.
  • Company performance bonus - This is a bonus that is awarded to a company employees to share profit with the staff.
  • Goal based bonus - This is a bonus that is awarded to an individual employee (or a team) for achieving specific goals, objectives, or milestones.
  • Holiday bonus - This type of bonus is usually paid around the holidays, often the end of the year, and is a token of appreciation for the hard work throughout the year.

Government vs Private Sector Salaries

Another commonly asked question is whether you get paid a higher salary working in the public (government) sector or the private sector.

Public sector employees in Philippines earn approximately 12% more than private sector employees in the same role.

Public Sector-
563,300 PHP
Private Sector-12%
504,300 PHP

Salaries for Jobs Similar to a Credit and Loans Officer

In the table below, we have salary information for jobs that are similar to a Credit and Loans Officer in Paranaque.

Job TitleCategorySalary
Account ExaminerAccounting and Finance279,400 PHP
Account ExecutiveAccounting and Finance472,100 PHP
AccountantAccounting and Finance362,200 PHP
Accounting AnalystAccounting and Finance472,100 PHP
Accounting AssistantAccounting and Finance273,000 PHP
Accounting AssociateAccounting and Finance263,900 PHP
Accounting ClerkAccounting and Finance222,300 PHP
Accounting CoordinatorAccounting and Finance335,100 PHP
Accounting HeadAccounting and Finance745,000 PHP
Accounting ManagerAccounting and Finance795,700 PHP
Accounting OfficerAccounting and Finance277,400 PHP
Accounting SpecialistAccounting and Finance493,000 PHP
Accounting SupervisorAccounting and Finance525,700 PHP
Accounting TechnicianAccounting and Finance263,200 PHP
Accounting Unit ControllerAccounting and Finance628,000 PHP
Accounts ExecutiveAccounting and Finance444,300 PHP
Accounts OfficerAccounting and Finance275,500 PHP
Accounts Payable AssistantAccounting and Finance309,800 PHP
Accounts Payable AssociateAccounting and Finance325,800 PHP
Accounts Payable ClerkAccounting and Finance272,800 PHP
Accounts Payable ManagerAccounting and Finance699,700 PHP
Accounts Payable and Receivable SpecialistAccounting and Finance383,300 PHP
Accounts Receivable AdministratorAccounting and Finance514,800 PHP
Accounts Receivable ClerkAccounting and Finance283,400 PHP
Accounts Receivable Financial AnalystAccounting and Finance496,100 PHP
Accounts Receivable ManagerAccounting and Finance717,900 PHP
Accounts Receivable Team LeaderAccounting and Finance528,600 PHP
Assistant AccountantAccounting and Finance282,500 PHP
Assistant Accounting ManagerAccounting and Finance707,700 PHP
Assistant AuditorAccounting and Finance354,000 PHP
Assistant Corporate ControllerAccounting and Finance498,000 PHP
Assistant Finance ManagerAccounting and Finance751,100 PHP
Assistant Financial ControllerAccounting and Finance514,300 PHP
Audit DirectorAccounting and Finance874,500 PHP
Audit SupervisorAccounting and Finance643,800 PHP
Auditing ClerkAccounting and Finance275,500 PHP
Auditing ManagerAccounting and Finance798,900 PHP
Billing ClerkAccounting and Finance268,900 PHP
Billing CoordinatorAccounting and Finance344,600 PHP
Billing SpecialistAccounting and Finance383,300 PHP
Billing SupervisorAccounting and Finance535,900 PHP
BookkeeperAccounting and Finance247,800 PHP
Bookkeeping SpecialistAccounting and Finance357,300 PHP
Budget AnalystAccounting and Finance633,100 PHP
Budget ManagerAccounting and Finance735,500 PHP
Business Support AnalystAccounting and Finance397,900 PHP
Capital Markets AssociateAccounting and Finance525,700 PHP
Cash Flow AnalystAccounting and Finance574,200 PHP
Cash Management ManagerAccounting and Finance735,500 PHP
Cash Management OfficerAccounting and Finance413,900 PHP
Cashbook ClerkAccounting and Finance249,600 PHP
Chartered AccountantAccounting and Finance447,300 PHP
Chief AccountantAccounting and Finance568,500 PHP
Collections ClerkAccounting and Finance222,300 PHP
Collections RepresentativeAccounting and Finance307,400 PHP
Collections SpecialistAccounting and Finance378,300 PHP
Corporate ControllerAccounting and Finance605,700 PHP
Corporate TreasurerAccounting and Finance707,700 PHP
Cost AccountantAccounting and Finance367,900 PHP
Cost Accounting ManagerAccounting and Finance713,900 PHP
Cost Accounting SupervisorAccounting and Finance565,100 PHP
Cost AnalystAccounting and Finance556,000 PHP
Credit ControllerAccounting and Finance519,300 PHP
Credit ManagerAccounting and Finance758,700 PHP
Credit and Collection ManagerAccounting and Finance712,100 PHP
Credit and Collection StaffAccounting and Finance288,700 PHP
Debt AdviserAccounting and Finance592,600 PHP
Debt CollectorAccounting and Finance312,400 PHP
Debtors ClerkAccounting and Finance263,100 PHP
Debtors ControllerAccounting and Finance277,400 PHP
Deputy CFOAccounting and Finance1,019,200 PHP
Deputy Head of FinanceAccounting and Finance960,900 PHP
Derivative TraderAccounting and Finance658,300 PHP
Director of FinanceAccounting and Finance1,098,200 PHP
EconomistAccounting and Finance884,700 PHP
Equity AnalystAccounting and Finance643,400 PHP
Escrow AssistantAccounting and Finance313,700 PHP
Executive AccountantAccounting and Finance430,000 PHP
External AuditorAccounting and Finance520,900 PHP
Finance AdministratorAccounting and Finance442,200 PHP
Finance AnalystAccounting and Finance639,900 PHP
Finance AssociateAccounting and Finance317,700 PHP
Finance DirectorAccounting and Finance1,048,100 PHP
Finance ExecutiveAccounting and Finance790,600 PHP
Finance Licensing ClerkAccounting and Finance275,200 PHP
Finance Licensing ManagerAccounting and Finance705,500 PHP
Finance Licensing SpecialistAccounting and Finance386,400 PHP
Finance ManagerAccounting and Finance1,067,500 PHP
Finance OfficerAccounting and Finance351,900 PHP
Finance PresidentAccounting and Finance1,120,700 PHP
Finance Relationship ManagerAccounting and Finance849,200 PHP
Finance Release AnalystAccounting and Finance431,300 PHP
Finance SpecialistAccounting and Finance614,600 PHP
Finance Team Leader Accounting and Finance839,500 PHP
Financial AccountantAccounting and Finance372,600 PHP
Financial ActuaryAccounting and Finance559,000 PHP
Financial AdministratorAccounting and Finance602,700 PHP
Financial AdvisorAccounting and Finance653,200 PHP
Financial AnalystAccounting and Finance645,800 PHP
Financial Applications SpecialistAccounting and Finance455,400 PHP
Financial AssistantAccounting and Finance282,500 PHP
Financial AssociateAccounting and Finance294,700 PHP
Financial AssociateAccounting and Finance332,100 PHP
Financial Claims AnalystAccounting and Finance507,300 PHP
Financial Claims ManagerAccounting and Finance652,200 PHP
Financial Claims SupervisorAccounting and Finance587,800 PHP
Financial ClerkAccounting and Finance275,500 PHP
Financial Commercial AnalystAccounting and Finance535,800 PHP
Financial Compliance AnalystAccounting and Finance566,900 PHP
Financial ConsultantAccounting and Finance467,700 PHP
Financial ControllerAccounting and Finance571,300 PHP
Financial ControllerAccounting and Finance603,400 PHP
Financial CoordinatorAccounting and Finance327,800 PHP
Financial Customer Service ManagerAccounting and Finance648,200 PHP
Financial Dealer and BrokerAccounting and Finance398,300 PHP
Financial DirectorAccounting and Finance1,105,600 PHP
Financial EncoderAccounting and Finance318,800 PHP
Financial ManagerAccounting and Finance979,600 PHP
Financial ManagerAccounting and Finance1,077,700 PHP
Financial Operations ManagerAccounting and Finance917,200 PHP
Financial Policy AnalystAccounting and Finance585,900 PHP
Financial Project ManagerAccounting and Finance743,300 PHP
Financial Quantitative AnalystAccounting and Finance605,700 PHP
Financial Reporting ConsultantAccounting and Finance524,700 PHP
Financial Reporting ManagerAccounting and Finance722,100 PHP
Financial Section HeadAccounting and Finance696,700 PHP
Financial Services ManagerAccounting and Finance953,200 PHP
Financial Services Sales AgentAccounting and Finance404,600 PHP
Fixed Assets AdministratorAccounting and Finance372,600 PHP
Forensic AccountantAccounting and Finance431,100 PHP
Fraud Detection SupervisorAccounting and Finance467,100 PHP
Fraud Prevention ManagerAccounting and Finance752,600 PHP
Fund AccountantAccounting and Finance341,900 PHP
Grants CoordinatorAccounting and Finance273,300 PHP
Group Financial ManagerAccounting and Finance1,043,600 PHP
Internal AuditorAccounting and Finance485,300 PHP
Internal Control AdviserAccounting and Finance596,800 PHP
Internal Control OfficerAccounting and Finance320,500 PHP
International Tax DirectorAccounting and Finance879,800 PHP
Inventory AccountantAccounting and Finance384,200 PHP
Investment AdvisorAccounting and Finance1,030,200 PHP
Investment AnalystAccounting and Finance739,500 PHP
Investment AssociateAccounting and Finance610,100 PHP
Investment BrokerAccounting and Finance608,500 PHP
Investment Fund ManagerAccounting and Finance791,200 PHP
Investment Operations ManagerAccounting and Finance788,000 PHP
Investment UnderwriterAccounting and Finance322,600 PHP
InvestorAccounting and Finance489,500 PHP
Investor Relations ManagerAccounting and Finance743,300 PHP
KYC Team LeaderAccounting and Finance695,400 PHP
Loan ProcessorAccounting and Finance314,500 PHP
Management AccountantAccounting and Finance392,300 PHP
Management EconomistAccounting and Finance858,400 PHP
PaymasterAccounting and Finance297,000 PHP
Payroll AdministratorAccounting and Finance504,300 PHP
Payroll Benefits CoordinatorAccounting and Finance413,900 PHP
Payroll Billing ManagerAccounting and Finance667,400 PHP
Payroll ClerkAccounting and Finance325,600 PHP
Payroll ManagerAccounting and Finance663,200 PHP
Payroll OfficerAccounting and Finance309,800 PHP
Payroll SpecialistAccounting and Finance394,300 PHP
Payroll SupervisorAccounting and Finance447,700 PHP
Pensions AdministratorAccounting and Finance388,100 PHP
Personal Financial AdvisorAccounting and Finance529,600 PHP
Pricing AnalystAccounting and Finance598,600 PHP
Private Equity AnalystAccounting and Finance620,300 PHP
Project AccountantAccounting and Finance383,300 PHP
Proposal Development CoordinatorAccounting and Finance327,800 PHP
Receivables AccountantAccounting and Finance352,000 PHP
Regulatory AccountantAccounting and Finance390,000 PHP
Retirement Plan AnalystAccounting and Finance605,700 PHP
Revenue Management SpecialistAccounting and Finance610,100 PHP
Revenue Recognition AnalystAccounting and Finance707,700 PHP
Risk Management DirectorAccounting and Finance919,700 PHP
Risk Management SupervisorAccounting and Finance735,500 PHP
Staff AccountantAccounting and Finance348,300 PHP
Tax AccountantAccounting and Finance332,500 PHP
Tax AdministratorAccounting and Finance390,000 PHP
Tax AdvisorAccounting and Finance535,800 PHP
Tax AnalystAccounting and Finance574,200 PHP
Tax AssociateAccounting and Finance319,600 PHP
Tax ConsultantAccounting and Finance582,700 PHP
Tax DirectorAccounting and Finance823,900 PHP
Tax ExaminerAccounting and Finance377,200 PHP
Tax ManagerAccounting and Finance735,200 PHP
Tax Research ManagerAccounting and Finance713,900 PHP
TellerAccounting and Finance225,700 PHP
Treasury AccountantAccounting and Finance382,600 PHP
Treasury AnalystAccounting and Finance610,100 PHP
UnderwriterAccounting and Finance253,400 PHP
Underwriting AssistantAccounting and Finance231,000 PHP
Vice President of FinanceAccounting and Finance1,041,900 PHP

Salary Comparison by City

If you want to compare salaries with different cities in Philippines, you can use the links below to explore the data for each specific city we have researched.

CityAverage Salary
Antipolo296,000 PHP
Cagayan de Oro275,200 PHP
Cebu286,400 PHP
Dasmarinas239,000 PHP
Davao309,800 PHP
Kalookan315,700 PHP
Las Pinas247,800 PHP
Makati253,400 PHP
Manila315,700 PHP
Pasig272,800 PHP
Quezon City308,300 PHP
Taguig292,000 PHP
Valenzuela275,200 PHP

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