Senior Corporate Credit Analyst — Lead Smart Lending

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

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.