CREDIT OFFICER
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About the role
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.
Key responsibilities
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
Presents the Credit Proposal to the CreCom depending on the credit limit endorsed
Conducts loan reviews, line renewals, new line availment when necessary
Candidates must have experience handling CORPORATE LOANS (business to business).
About you
Bachelor's degree in Finance, Accounting, Economics or any other related field
At least 3 years experience in Credit Evaluation and Financial analysis of CORPORATE LOANS
With commercial banking/financing company credit evaluation/underwriting experience for corporate accounts focus on business loan
Fresh graduates with background in Finance/Accounting are welcome to apply
Performance management
Business knowledge
Compliance and business ethics management
Job knowledge
Financial Analysis
Dependability
Benefits
1-2 months Annual Productivity Incentive (not guaranteed; it depends on company performance and individual performance)
HMO (principal only with 110k MBL per sickness per year)
Rice Subsidy (1,500/month)
Paid leaves (15VL:5SL)
Clothing and Medical Allowance (6,600/yr.)
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