Corporate Credit Officer
Corporate Credit Officer
primover consultancy services, inc.- Posted 10 hours ago
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Job Description
Job Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or any other related field.
- Atleast 3 years of experience in Credit Evaluation and Financial analysis of
- Withcommercial banking/financing company credit evaluation/underwriting experience
- With experience in handling corporate accounts with min. of AF exposure of 1M.
- Experience in client visits and CRECOM is an advantage.
- must have experience handling corporate loans (business to business).
- Conducts initial assessment on the corporate borrower and its major shareholders/directors and lays out the necessary and further clarifications.
- Together with the Account Officer, conducts interviews and ocular inspections with the client to determine the risk profile of the borrower and to validate the business operations.
- Checks the Loandex, NFIS, and other third-party applicable credit bureaus.
- Conducts trade checking with borrowers customers and suppliers;
- Analysis and validation of the submitted bank statements.
- Prepares financial spreadsheets based on the audited financial statements to determine the capacity of the borrower to pay.
- Prepares in-depth credit proposals after gathering all the necessary information, which include but are not limited to:
- Company background
- Financial analysis (Ratios, AFS entry movement – favorable and not favorable)
- Summary of the trade and bank checking, field visit conducted
- Recommendation on the loan package
- Prepares 3-year financial projection only when necessary.
- Presents the Credit Proposal to the CreCom depending on the credit limit endorsed.
- Conducts loan reviews, line renewals, and new line availment when necessary.
- Performs other duties that may be assigned by immediate superior.
More Info
Key Skills
CRECOM
Trade Checking
Corporate Loans
Loan Reviews
Financial Spreadsheets
About Company