Credit Officer

22 hours ago

Taguig, National Capital Region, Philippines CARBAY PHILIPPINES INC. Full time ₱900,000 - ₱1,200,000 per year

JOB SUMMARY

The Credit Officer will be responsible for verification and evaluation of loan applications. The position will also assist the Credit Team Leader and the Credit Department Head to achieve approval targets as well as good quality accounts to accomplish the company's portfolio target and low delinquency rate.

RESPONSIBILITIES

  • Conduct interviews to clients to gather financial data, personal detail, and other important information.
  • Ensure completeness of data, documents and financials submitted by the borrower.
  • Validate documents submitted to all available sources.
  • Dedupe application to core system.
  • Ensure client's name was not found in blacklist and watch list.
  • Conduct BAP and TU checking for all accounts
  • Evaluate credit worthiness of loan borrower.
  • Review borrower's credit history thru checking at company's own credit records, bank records and past credit experiences
  • Ensure credit policies and procedure are within parameters.
  • Conduct analysis of financial statements of accounts and prepare financial spreadsheet for corporate accounts.
  • Create credit recommendations for credit team leader's approval.
  • Provide mitigation factors to accounts with deviations.
  • Provide strategic inputs in the formulation/updates of credit policies and guidelines necessary to maintain a quality portfolio.

JOB REQUIREMENTS

  • Bachelor's degree in Finance or any business course Experience
  • Minimum of three years work experience as Credit Analyst / Credit Officer under Auto Finance / Auto Loan Business.

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