Corporate Credit Officer

Corporate Credit Officer

JOB SUMMARY

Corporate Credit Officer is responsible for review, financial analysis, and evaluation of verified
information for all corporate applications in order to arrive at a decision within the corresponding
lending and deviation authority while optimizing business potentials within the acceptable credit
risk in order to achieve business targets and goals while ensuring portfolio quality is maintained.

RESPONSIBILITIES

Functional

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 bureausConducts trade checking with borrowers' customers and suppliersAnalysis and validation of the submitted bank statementsPrepares 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: Company backgroundFinancial analysis (Ratios, AFS entry movement – favorable and not favorable)Summary of the trade and bank checking, field visit conductedRecommendation on the loan package Prepares 3-year financial projection only when necessaryPresents the Credit Proposal to the Excom depending on the credit limit endorsedConducts loan reviews, line renewals, new line availment when necessary
Others
• Perform other duties that may be assigned by immediate superior

JOB REQUIREMENTS

Education

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

Experience

At least 1 year experience in Credit Evaluation and Financial analysis of corporate loansAt least 2 years' experience in Medical Equipment procurementFresh graduates with background in Finance/Accounting are welcome to applyExperienced as a credit officer with basic knowledge in AccountingCan present financial statements/reports