Credit Officer

1 day ago

Calamba, Calabarzon, Philippines Union Galvasteel Corporation Full time ₱500,000 - ₱1,000,000 per year

This job ensures that the creditworthiness of customers is independently and effectively established as a basis for approval of credit line requests by the authorized company's officers; the credit lines extended to customers are managed in accordance with the approved credit policies of the company; and the approved credit terms and conditions of the customer are strictly implemented and any deviations from it are duly approved by the authorized company's officers.

JOB SCOPE

  • Analyzes and processes credit line applications of various customers. Regularly gathers relevant information about customers to facilitate the assessment of their sustained capacity to pay.
  • Oversees the implementation of credit policies and procedures by its direct reports in their respective cluster areas.
  • Recommends solutions on credit issues to arrest or mitigate credit risks;
  • Leads in the monthly review of past due accounts and focuses on the formulation of collection plans and on the monitoring of their implementation;
  • Manages relations with financial service providers, credit associations, and court offices that can provide credit solutions to customers' credit requirements;
  • Identifies, provides, and recommends appropriate training for its direct reports;
  • Conducts plant and warehouse visits, walk-by to assess quality systems, and do Safety Observations
  • Supports and demonstrates ownership of health and safety in his/her area of responsibility
  • Strictly implements approved credit limits and terms and controls, through Credit Analysis Reports, and sales orders of customers with documentary deficiencies and irregularities for approvals of authorized company officers.
  • Monitors the status of each account in terms of overdue, PDC collections, and DSO, and advises the sales group on credit solutions to improve performance.
  • Reviews wordings of collateral documents and ensures that collateral documents are physically available and legally operative to enforce collection.
  • Prepares and sends notices of compliance, collection/demand letters, and notices of dishonor, to delinquent customers and securely keeps copies of which for future reference.
  • Manages settlement of non-performing or moving accounts; if becomes necessary, facilitates the filing of legal case(s) against delinquent customers and attends to all court proceedings.
  • Performs tasks and other duties that may be assigned by his/her immediate supervisor from time to time.

QUALIFICATIONS

  • Must be residing in Laguna.
  • College Graduate of any related Business Course, BS Accountancy Preferred
  • Preferably with at least 3-5 years experience.

Skills and Competencies Needed:

  • Knows how to conduct Credit Investigation/risk identification;
  • Knows basic financial analysis;
  • Has basic knowledge of steel/roofing and the cement industry
  • Has basic knowledge of Oracle System
  • Critical and Analytical thinking skills
  • Computer Literate and proficient with Microsoft Applications

Perks and Benefits

  • Life Insurance
  • Medical / Health Insurance
  • Medical, Prescription, Dental, or Vision Plans
  • Vacation Leave
  • Sick Leave
  • Birthday Leave
  • Anniversary Leave
  • Rice Subsidy
  • Communication Allowance

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