Credit Evaluation Officer

1 week ago


Makati City, National Capital Region, Philippines Philippine Bank of Communications (PBCOM) Full time
Credit Evaluation Officer - Corporate and Commercial Banking

Direct message the job poster from Philippine Bank of Communications (PBCOM).

The Credit Analyst evaluates assigned borrower's inherent risks and opportunities via pre-approval credit due diligence. These are accomplished via either Credit Application preparation and/or review. He / she recommends the appropriate structure, facilities and level of business that the Bank may be able to undertake with the said Entity.

Responsibilities

  • Ensure proper evaluation of company or industry by utilizing all available information gathered through plant visit, customer interview, trade checking, reference check, industry evaluation, and others. Conduct financial evaluation and prepare re-casted financial statements as needed to come up with more reflective statements. Recommend the appropriate security level, loan terms, and condition, etc.
  • Ensure timely recognition of deterioration of risk and recommending/taking the appropriate actions. Timely downgrading and account classification as needed. Monitor industry trends to determine effects on the company's operations and financials.
  • Ensure compliance with external regulations and Bank's internal policies, by raising potential or actual issues related to accounts / CAs covered.
  • Provide high level of service to internal customers based on accuracy, responsiveness and turnaround time.
  • Understand the business cycle of the companies evaluated so the opportunities can be spotted which the Bank RM and other units of the Bank can work on.

Qualifications

  • Graduate of any business-related course.
  • 3-10 years of credit risk evaluation experience with a bank, specifically in corporate and commercial banking.
  • Strong credit analysis skills.
  • Strong financial modeling and analytical skills.
  • Proficient in MS Office applications, especially in Excel.
Seniority level

Mid-Senior level

Employment type

Full-time

Industries

Banking

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