CREDIT OFFICER

The Credit Officer is responsible for conducting credit evaluation and risk assessment of corporate and commercial borrowers. The role involves preparing comprehensive credit proposals in accordance with the Bank's credit policies and standards, ensuring timely turnaround while maintaining portfolio asset quality. The position also supports client engagement, credit monitoring, and remedial account management to protect the Bank's interests and strengthen client relationships.

Core Responsibilities

• Conducts client interviews, calls, and site visits, and coordinates with Relationship Management counterparts regarding proposed credit facilities
• Performs financial analysis and projections using historical data, industry benchmarks, trade checks, and verification with banks and other creditors
• Reviews and endorses credit risk ratings or credit scores of accounts within prescribed endorsement limits
• Prepares credit risk assessments, analyses, and recommendations for credit proposals
• Presents credit proposals to the appropriate approving committees or authorities
• Conducts periodic reviews of assigned accounts, including line renewals and term loan reviews
• Assists Relationship Management counterparts in monitoring loan covenant compliance and identifying potential credit weaknesses or account deterioration
• Participates in client meetings, visits, and calls together with Relationship Management counterparts
• Assists in the preparation of restructuring proposals and loan workout strategies for assigned accounts
  
  

Qualifications

• Bachelor's degree in Business, Economics, Accountancy, Finance, or a related field
• Preferably with at least one (1) year of experience in credit evaluation, credit analysis, or related functions
• Working knowledge of the 5C's of Credit, corporate banking products, credit policies, applicable lending regulations, and risk management principles
• Proficient in Microsoft Office applications, particularly Excel, Word, and PowerPoint
• Strong analytical, financial analysis, and credit risk assessment skills
• Above-average written and verbal communication, presentation, and interpersonal skills
• Self-motivated, results-oriented, and demonstrates leadership potential