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Jobs or company...

Credit Evaluation Officer - Corporate & Commercial Banking

  • Full Time, onsite
  • Philippine Bank of Communications (PBCOM)
  • Makati, Philippines
Salary undisclosed
Checking job availability...
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Company Description

PBCOM offers a range of financial solutions including Deposits, Investment Services, Cash Management, Loans, and Life Insurance. Established in 1939 in Binondo, Manila, PBCOM now has over 90 branches across Luzon, Visayas, and Mindanao. With strategic investor Mr. Lucio Co on board since 2014, PBCOM is positioned for growth and aims to leverage the customer base of Puregold Price Club Inc. and Cosco Capital Inc. The bank, led by Chairman Eric O. Recto and President Patricia May T. Siy, is committed to expanding services and providing innovative financial solutions.

Role Description

This is a full-time on-site role as a Credit Evaluation Officer in Corporate & Commercial Banking at PBCOM's Makati location. The role evaluates assigned borrowers' inherent risks via pre-approval credit due diligence. This is accomplished via Credit Application preparation and/or review. This role also recommends the appropriate structure, facilities, and level of business that the Bank may be able to undertake with an Entity.

Duties and Responsibilities:

  • Ensure proper evaluation of company or industry by utilizing all available information gathered through plant visit, customer interview, trade checking, reference check, industry evaluation, and others. Conduct financial evaluation and prepare re-casted financial statements as needed, to come up with more reflective statements. Recommend the appropriate security level, loan terms, and condition, etc.
  • Ensure timely recognition of risk and recommend/take appropriate actions. Propose to downgrade and reclassify accounts as needed. Monitor industry trends to determine effects on the company's operations and financials.
  • Ensure compliance with external regulations and Bank's internal policies, by raising potential or actual issues related to accounts/CAs covered.
  • Provide high level of service to internal customers based on accuracy, responsiveness, and turnaround time.
  • Understand the business cycle of the companies evaluated so the opportunities can be spotted which the bank RM and other units of the bank can work on.

Qualifications

  • Graduate of any business-related course
  • 2-8 years relevant experience with banks or financial institutions specifically handling corporate and commercial loans
  • Strong credit analysis skills
  • Proficient in financial modelling
  • Effective Communication skills
  • Proficient in the use of MS Office, especially Excel
  • Attention to detail and critical thinking

Company Description

PBCOM offers a range of financial solutions including Deposits, Investment Services, Cash Management, Loans, and Life Insurance. Established in 1939 in Binondo, Manila, PBCOM now has over 90 branches across Luzon, Visayas, and Mindanao. With strategic investor Mr. Lucio Co on board since 2014, PBCOM is positioned for growth and aims to leverage the customer base of Puregold Price Club Inc. and Cosco Capital Inc. The bank, led by Chairman Eric O. Recto and President Patricia May T. Siy, is committed to expanding services and providing innovative financial solutions.

Role Description

This is a full-time on-site role as a Credit Evaluation Officer in Corporate & Commercial Banking at PBCOM's Makati location. The role evaluates assigned borrowers' inherent risks via pre-approval credit due diligence. This is accomplished via Credit Application preparation and/or review. This role also recommends the appropriate structure, facilities, and level of business that the Bank may be able to undertake with an Entity.

Duties and Responsibilities:

  • Ensure proper evaluation of company or industry by utilizing all available information gathered through plant visit, customer interview, trade checking, reference check, industry evaluation, and others. Conduct financial evaluation and prepare re-casted financial statements as needed, to come up with more reflective statements. Recommend the appropriate security level, loan terms, and condition, etc.
  • Ensure timely recognition of risk and recommend/take appropriate actions. Propose to downgrade and reclassify accounts as needed. Monitor industry trends to determine effects on the company's operations and financials.
  • Ensure compliance with external regulations and Bank's internal policies, by raising potential or actual issues related to accounts/CAs covered.
  • Provide high level of service to internal customers based on accuracy, responsiveness, and turnaround time.
  • Understand the business cycle of the companies evaluated so the opportunities can be spotted which the bank RM and other units of the bank can work on.

Qualifications

  • Graduate of any business-related course
  • 2-8 years relevant experience with banks or financial institutions specifically handling corporate and commercial loans
  • Strong credit analysis skills
  • Proficient in financial modelling
  • Effective Communication skills
  • Proficient in the use of MS Office, especially Excel
  • Attention to detail and critical thinking