Credit Officer

Responsibilities

• 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, conduct 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 validate 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