Corporate Credit Officer

Job Qualifications:

• Bachelor’s degree in Finance, Accounting, Economics, or any other related field.
• Atleast 3 years of experience in Credit Evaluation and Financial analysis of

corporate loans.

• Withcommercial banking/financing company credit evaluation/underwriting experience

for corporate accounts, focus on business loans.

• · With experience in handling corporate accounts with min. of AF exposure of 1M.
•   Experience in client visits and CRECOM is an advantage.
• must have experience handling corporate loans (business to business).

Job Responsibilities:

• Conducts initial assessment on the corporate borrower and its major shareholders/directors and lays out the necessary and further clarifications.
• Together with the Account Officer, conducts interviews and ocular inspections 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;
• Analysis and validation of the submitted bank statements.
• Prepares financial spreadsheets 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 are not limited to:

-Company background

-Financial analysis (Ratios, AFS entry movement – favorable and not favorable)

-Summary of the trade and bank checking, field visit conducted

-Recommendation on the loan package

• Prepares 3-year financial projection only when necessary.
• Presents the Credit Proposal to the CreCom depending on the credit limit endorsed.
• Conducts loan reviews, line renewals, and new line availment when necessary.
• Performs other duties that may be assigned by immediate superior.