Credit Officer for Corporate Accounts

Description : 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 :
• 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 :