Credit Officer

RESPONSIBILITIES

Evaluation and Analysis

• Conducts initial assessment on the corporate borrower and its major shareholders/directors and lay out the necessary and further clarification.
• Together with the Account Officer, conducts interview and ocular inspection 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 spreadsheet 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 not limited to:

1. Company background
2. Financial analysis (Ratios, AFS entry movement – favorable and not favorable)
3. Summary of the trade and bank checking, field visit conducted
4. 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, new line availment when necessary.

Qualaifications:

Education

• Bachelor's degree in Finance, Accounting, Economics or any other related field

Experience

• At least 3 years experience in Credit Evaluation and Financial analysis of corporate loans.
• With commercial banking/financing company credit evaluation/underwriting experience for corporate accounts focus on business loan
• Fresh graduates with background in Finance/Accounting are welcome to apply.