Credit Officer (For Corporate Accounts)

Requirements:

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;
Analyzes and validates 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:
o Company background
o Financial analysis (Ratios, AFS entry movement – favorable and not favorable)
o Summary of the trade and bank checking, field visit conducted
o Recommendation on the loan package
Prepares 3-year financial projection only when necessary.
Presents the Credit Proposal to the Excom depending on the credit limit endorsed.

Qualifications:

Bachelor's degree in Finance, Accounting, Economics or any other related field
At least 2 years' experience in Credit Evaluation and Financial Analysis of corporate loans.
Must be analytical and keen on details and with good in oral and written communication skills.
Has the ability to analyze information and can make recommendations to management.

BENEFITS UPON HIRING:

1-2 months Quarterly and Annual Productivity incentive (not guaranteed, depends on company performance and individual performance), HMO (principal only with 110K MBL per sickness per year)

BENEFITS UPON REGULARIZATION:

Rice subsidy (1,500/month), Paid Leaves (15VL : 15SL), Clothing and Medical Allowance (6,600/year)