This research aimed at identifying the role of account officer in maximizing financing and minimizing financing risk. The method used in this research was descriptive qualitative research by describing a situation or phenomenon depicting the role of account officer in maximizing financing and minimizing financing risk. The research result indicated that there were several methods implemented by account officer in maximizing financing, those were a) promotion, b) product, c) price, d) physical evidence. Whilst, in minimizing financing risk, account officer implemented 5C a) character, b) capacity, c) capital, d) collateral, e) condition. Besides, strategies conducted by account officer to overcome financing problems were a) rescheduling, b) reconditioning, c) restructuring, d) collateral seizure.