Credit Specialist

Purpose of the Position

Under the direct supervision of the Credit and Compliance Head, the Credit Specialist is accountable and responsible for the proper evaluation and validation of all loan applications to determine credit worthiness and capacity to pay.

Qualifications

1. Bachelor's Degree in any business-related course, preferably in Accounting.
2. Fresh graduates are welcome to apply (if accounting graduate), preference will be given to applicants with credit analysis experience.
3. Competency in core banking platforms particularly loans module.

Scope and Limitation

1. Effectively evaluate loan applications assigned in the Loans Center within the standard time frame.
2. Accomplish the credit portion of the Loans Recommendation Memo (LRM) through the conduct of the following activities:
   a. thorough validation and assessment of the sources of income of the borrower
   b. create a cashflow analysis of the borrower to determine capacity to pay and viability of loan package
   c. incorporate the results of the credit investigation and appraisal report into the LRM
   d. present results of evaluation, credit findings and/or recommendation to approving authorities
3. Execute directives/instructions from the Credit and Compliance Head, including but not limited to additional field validations, bank/FI verification and supplier checking.
4. Maintain a peer analysis file per industry for key financial ratios and common credit findings.