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 clarificationTogether 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 operationsChecks the Loandex, NFIS, and other third-party applicable credit bureausConducts trade checking with borrowers' customers and suppliersAnalyzes and validates the submitted bank statementsPrepares financial spreadsheet based on the audited financial statements to determine the capacity of the borrower to payPrepares 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 conducted- Recommendation on the loan package Prepares 3-year financial projection only when necessaryPresents the Credit Proposal to the Excom depending on the credit limit endorsed
Qualifications

Bachelor's degree in accounting or finance is requiredExperience in Credit Evaluation and Financial Analysis of Corporate or Business Loans is requiredExperience handling and processing Corporate or Business loan applications with amount finance of a minimum of PHP 1 million is requiredExperience 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