Job Description

Key Responsibilities:

You will:

• Conduct 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.
• Check the Loandex, NFIS, and other third-party applicable credit bureaus
• Conduct trade checking with borrowers' customers and suppliers;
• Analyze and validates the submitted bank statements.
• Prepare financial spreadsheet based on the audited financial statements to determine the capacity of the borrower to pay.
• Prepare in-depth credit proposals after gathering all the necessary information which include but not limited to:
• 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
• Prepare 3-year financial projection only when necessary.
• Present the Credit Proposal to the Excom depending on the credit limit endorsed.

Qualifications and Requirements

• 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.

Work Schedule: Morning shift

Work Setup: Full-Onsite

Office: BGC