Credit Officer - Onsite

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:
- Company background
- Financial analysis (Ratios, AFS entry movement – favorable and not favorable)
- Summary of the trade and bank checking, field visit conducted- 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 or finance is required
• Experience in Credit Evaluation and Financial Analysis of Corporate or Business Loans is required
• Experience handling and processing Corporate or Business loan applications with amount finance of a minimum of PHP 1 million is required
• Experience analyzing the financials of clients is required

Work Arrangement

Shift: Monday - Friday; 8 am - 5 pm
Location: BGC, Taguig
Set-up: Onsite

Budget: 70k max