Corporate Credit Officer

7 days ago

Taguig, Philippines Out of the Box Practices, Inc. Full time

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:
• o Company background
• o Financial analysis (Ratios, AFS entry movement – favorable and not favorable)
• o Summary of the trade and bank checking, field visit conducted
• o 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:
• Bachelor’s degree in Finance, Accounting, Economics or any other related field
• At least 2 years’ experience in Credit Evaluation and Financial Analysis of corporate loans.
• Must be analytical and keen on details and with good in oral and written communication skills.
• Has the ability to analyze information and can make recommendations to management.
BENEFITS UPON HIRING:
• 1-2 months Quarterly and Annual Productivity incentive (not guaranteed, depends on company performance and individual performance), HMO (principal only with 110K MBL per sickness per year)
BENEFITS UPON REGULARIZATION:
• Rice subsidy (1,500/month), Paid Leaves (15VL : 15SL), Clothing and Medical Allowance (6,600/year)

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