Credit Officer

The Credit Officer performs credit evaluation and risk assessment of corporate and commercial borrowers and prepares comprehensive credit proposals in compliance with the Bank’s credit policies and standards, within the prescribed turn-around time.

Core Responsibilities

• Conducts client interview or client call and/or site visits, and coordinates with the client relationship management counterpart on the proposed credit facility and loan package
• Performs financial analysis and projections based on the client’s historical financial data, industry analysis, benchmarking, trade checking with client’s suppliers and customers, and verification with depository bank and creditors
• Endorses the credit risk rating or credit score of the account
• Prepares risk analysis and overall recommendation
• Presents credit proposal to the required approving committee or body following the tiered approving authority limits
• Performs periodic review of assigned accounts, line renewals and term loan review, as required by the Bank’s approved credit policies and procedures
• Assists the client relationship management counterpart in loan monitoring with regard to checking of compliance to loan covenants, and detection of weaknesses and loan deterioration
• Conducts client visits, meetings and/or calls with the Relationship Management Group (RMG) counterpart
• Assists the client relationship management counterpart in the preparation of restructuring proposals and in loan work out of assigned accounts