CORPORATE CREDIT OFFICER

RG Group Management Corporation; Taguig; Hybrid; PHP 600,000 - 900,000; Full time

Benefits offered by this job

Annual incentive (1-2 months)

HMO (principal only)

Rice subsidy

Paid leaves

Clothing and Medical Allowance

Job summary

RG Group Management Corporation in Taguig, Metro Manila seeks a Corporate Credit Officer to review and analyze corporate loan applications, evaluate financial statements, and prepare credit proposals. You will work with the Account Officer to assess risk, validate business operations, and present recommendations to the credit committee.

The role requires a bachelor's degree in Finance/Accounting/Economics and at least 3 years in credit evaluation for corporate loans.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics or related field.
• At least 3 years of experience in Credit Evaluation and Financial analysis of Corporate loans.
• Experience in commercial banking/financing company credit evaluation/underwriting for corporate accounts.
• Fresh graduates with Finance/Accounting background are welcome to apply.
• Strong integrity, performance management and execution capability.

Responsibilities

• Conducts initial assessment on the corporate borrower and its major shareholders/directors and lay out the necessary and further clarification.
• Interviews and ocular inspections with the client to determine risk profile and validate operations.
• Checks Loandex, NFIS, and other third-party credit bureaus.
• Performs trade checks with borrowers' customers and suppliers.
• Analyses and validates submitted bank statements.
• Prepares financial spreadsheets from audited statements to assess repayment capacity.
• Prepares in-depth credit proposals with company background, financial analysis, trade/bank checks, field visit, and loan package recommendations.
• Presents the Credit Proposal to the CreCom based on endorsed credit limit.
• Conducts loan reviews, line renewals, and new line availment when necessary.

Skills

Financial analysis

Credit evaluation

Corporate loans

Business knowledge

Compliance

Performance management

Execution

Accountability

Dependability

Education

Bachelor's degree in Finance, Accounting, Economics

Job description

Corporate Credit Officer is responsible for review, financial analysis, and evaluation of verified information for all corporate applications in order to arrive at a decision within the corresponding lending and deviation authority while optimizing business potentials within the acceptable credit risk in order to achieve business targets and goals while ensuring portfolio quality is maintained.

Key responsibilities

• 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
• Analysis and validation of 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: 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
• Presents the Credit Proposal to the CreCom depending on the credit limit endorsed
• Conducts loan reviews, line renewals, new line availment when necessary

Candidates must have experience handling CORPORATE LOANS (business to business).

About you

• Bachelor's degree in Finance, Accounting, Economics or any other related field
• At least 3 years experience in Credit Evaluation and Financial analysis of Corporate loans
• With commercial banking/financing company credit evaluation/underwriting experience for corporate accounts focus on business loan
• Fresh graduates with background in Finance/Accounting are welcome to apply
• Performance management
• Business knowledge
• Compliance and business ethics management
• Job knowledge
• Financial Analysis
• Dependability
• Accountability
• Customer Focused
• Execution

Benefits

• 1-2 months Annual Productivity Incentive (not guaranteed; it depends on company performance and individual performance)
• HMO (principal only with 110k MBL per sickness per year)
• Rice Subsidy (1,500/month)
• Paid leaves (15VL:5SL)
• Clothing and Medical Allowance (6,600/yr.)