Process/originate/prepare Credit Appraisal Report of Commercial loan applications (detailed loan proposal write up and detailed financial analysis) of those customers referred by branches or by Head Office.
Review and work in coordination with branches for commercial loan applications prepared and submitted for approval by branches and present the loan application(s) to relevant approving party.
Conduct site visit to all commercial loan clients (to their business premise and proffered collateral) to further understand and verify client’s business model and financial soundness and creditworthiness of clients.
Analyze and interpret financial statements of the business in order to access the repayment capacity and financial soundness of the borrower.
Analyze, check correctness and verify documents and other information provided by branches and clients in terms of client's creditworthiness, business viability, purpose of loan, financial reports, collateral conditions, and other aspects of credit evaluation.
Discuss credit-related issues and loan packaging to provide sound financial advises and tailored solution for commercial clients.
Constantly get updated on guideline, praksas, circular and other policies with regard to commercial loan sector issued by regulator.
Close mentoring, in coordination with branch, on the loan recommended and reviewed for timely repayment and to ensure Portfolio at Risk remain within acceptable level.
Good customer relationship management and constantly try to cement relationship with clients.
Ensure all commercial loan applications reviewed/prepared/recommended are in line and fully compliance with all ABA policies & procedures and with audit recommendations.
Coordinate with branches and credit monitoring units to monitor and follow up on all post-disbursement conditions and financial covenants to ensure all post-disbursement conditions and financial covenants are fully complied with.
Assist in loan contracts recreation and execution and loan disbursement for Commercial Loan clients originated from Head Office.
Work collaboratively with other business sale units to cross sell other loan products and banking facilities where applicable.