Credit Officer

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 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 accounting, finance, or a similar field is required2 years of experience in Credit Evaluation and Financial Analysis of Business Loans is requiredExperience handling and processing Business loan applications with amount finance of a minimum of PHP 1 million is requiredExperience analyzing the financials of clients is required
Salary range: 60-70k max
Shift: Mon - Fri | 8 am - 5 pm
Location: BGC, Taguig
Set-up: Onsite

Benefits that the candidate can receive upon hiring: 1-2 months Annual Productivity Incentive (not
guaranteed; depends on company performance and individual performance), HMO (principal only with
110k MBL per sickness per year).
Benefits that the employee can avail upon regularization: Rice Subsidy (1,500/month), Paid leaves
(15VL:5SL), Clothing and Medical Allowance (6,600/yr)