Corporate Credit Officer

Corporate Credit Officer

JOB SUMMARY

Corporate Credit Officer is responsible for review, financial analysis, and evaluation of verified information for all corporate applications in order to arrive at a decision within the corresponding lending and deviation authority while optimizing business potentials within the acceptable credit risk in order to achieve business targets and goals while ensuring portfolio quality is maintained.

RESPONSIBILITIES

Functional 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
• Analysis and validation of 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
• Conducts loan reviews, line renewals, new line availment when necessary

Others • Perform other duties that may be assigned by immediate superior

JOB REQUIREMENTS

Education • Bachelor’s degree in Finance, Accounting, Economics, or any other related field Experience

• At least 1 year experience in Credit Evaluation and Financial analysis of corporate loans
• At least 2 years’ experience in Medical Equipment procurement
• Fresh graduates with background in Finance/Accounting are welcome to apply
• Experienced as a credit officer with basic knowledge in Accounting
• Can present financial statements/reports