Credit Officer - Commercial Banking

Industry Category	Accounting / Finance	Position	Banking / Finance
Recruitment Department		Number Of Recruits	several
Work Location	Metro Manila (NCR) Caloocan	Nature Of Work	Full Time
Gender Requirements	Male	Marriage Requirement	No marital status restrictions
Education Level	College Diploma	Work Experience	No work experience restrictions
Age Requirement	Above 18 years old	Salary Package	Negotiable
Updated Date	2022-10-05	Valid Until	Long-term validity

The Role

As a Credit Officer - Commercial Banking, you will evaluate the borrowers or potential borrowers of the banks according to the inherent risks and opportunities that the Bank may be able to undertake. You will recommend the appropriate facilities with mitigants in place to safeguard the interest of the Bank

How you'll contribute

Conducts interview and ocular inspection with the client to determine the risk profile of the borrower/ client.Prepares credit proposal with all the information gathered and internal tools to be presented to CRECOM and EXCOM.Prepares financial analysis based on the data gathered to determine the capacity of the client to pay.Keeps updated with the credit policy manual/risk bulletins to ensure compliance with Bank's credit policies as well as other governing policies.Collaborates with Relationship Managers in the loan packaging while identifying credit risk and acceptable mitigants for recommendation to approvers.Plans interim extension/client calls or information gathering such as AFS, bank checkings, appraisals, etc in advance to ensure renewal is on time and to avoid expired lines.

What we’re looking for

Candidates should have at least 2 years of experience in credit and financial analysis in commercial bankingKnowledge of basic accounting and credit policiesFinancial analysis and good written communication skillsAbility to communicate effectively with all levels of the organization and external parties; inquisitive

About Security Bank We are the Philippines’ largest independent bank, having won countless awards over the years, including one of Euromoney's most prestigious industry awards in 2021—Best Bank in the Philippines.We’re changing how people bank. From the moment customers enter our branches to their experience online, we make them to feel valued and empowered.Now, with more than 300 branches spanning the country, BetterBanking has become the gold standard in improving the banking lives of millions of Filipinos. But we’re far from done.In our constant pursuit of excellence and improvement, we create teams that support our business and each other.