CREDIT OFFICER (CORPORATE LOANS)

RG Group Management Corporation; Taguig; Hybrid; PHP 446,000 - 725,000; Full time

Benefits offered by this job

Annual incentive

HMO

Rice subsidy

Paid leaves

Clothing and medical allowance

Job summary

RG Group Management Corporation in Taguig is seeking a Credit Officer to review corporate applications, perform financial analysis, and arrive at lending decisions within the approved authority while protecting portfolio quality.

You will assess borrowers and major shareholders with the Account Officer, verify financial statements and third‑party data, prepare in‑depth credit proposals, and present recommendations to CreCom for loan packages and renewals.

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.

Responsibilities

• Perform initial assessment of the corporate borrower and major shareholders/directors with clarification as needed.
• Interview and conduct ocular inspection with client to determine risk profile and validate business operations.
• Check Loandex, NFIS, and other credit bureaus to support risk assessment.
• Conduct trade checks with borrowers' customers and suppliers.
• Analyze and validate submitted bank statements for repayment capacity.
• Prepare financial spreadsheets based on audited statements to assess repayment ability.
• Develop in-depth credit proposals including company background, financial analysis, and field notes; present recommendations.

Skills

Credit evaluation

Financial analysis

Corporate loans

Risk assessment

Education

Bachelor's degree in Finance/Accounting/Economics

Tools

Loandex

NFIS

Job description

About the role

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

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.)