credit officer

4 days ago

Taguig, National Capital Region, Philippines RG Group Management Corporation Full time ₱900,000 - ₱1,200,000 per year

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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