Credit Analyst

Nityo Infotech Services Philippines Inc.; Makati; On-site; PHP 360,000 - 480,000; Full time

Job summary

Nityo Infotech Services Philippines Inc. in Metro Manila seeks a qualified Credit Analyst to join our lending risk and settlements team. You will review financial documents, assess creditworthiness, and support settlement processes across loan portfolios.

The role emphasizes compliance, data analysis using Excel and CRM tools, and collaboration with risk, legal, and customer service teams to improve settlement outcomes.

Qualifications

• Bachelor's degree required.
• At least 2 years in Credit Analysis with exposure to debt service ratio or debt-to-income calculations.
• Proficient in Tagalog and English.

Responsibilities

• Analyze credit bureau reports, bank statements, and KYC documents to assess creditworthiness and compliance.
• Perform risk assessments and make credit decisions within risk appetite.
• Manage settlements and assist borrowers with repayment setups and loan closures.
• Provide financial counseling and address borrower concerns as needed.
• Collaborate with credit risk, legal, and customer service teams to optimize processes.

Skills

Credit analysis

Risk management

Debt-to-Income

Regulatory compliance

CRM software

MS Excel

Education

Bachelor's degree

Tools

Excel

CRM systems

Job description

About the role

This role involves credit assessment, risk management, and loan settlement operations. You will analyze financial documents, evaluate loan applications, manage settlements, and provide customer support throughout the loan lifecycle while ensuring regulatory compliance.

Key responsibilities

• 1. Credit Assessment & Risk Management

  Analyze credit bureau reports, bank statements, and KYC documents to evaluate applicants' creditworthiness, financial health, and compliance with regulatory standards.

  Conduct in-depth financial analysis and risk assessments for loan applications.

  Evaluate loan applications and make informed credit decisions within the company's risk appetite.

  Identify potential risks and recommend mitigation strategies to minimize defaults.

  2. Loan Settlement

  Before initiating settlement, assess the borrower's repayment capacity to ensure the total settlement amount is feasible

  Handle settlements for all current obligations of the borrower

  Obtain proof of all settlements from the customer successful loan closures.

  Assist customers in setting up standing order/direct debit for smooth repayment of consolidated loans.

  Work with internal credit risk and legal teams to ensure faster disbursement of the refinanced lo

  Ensure compliance with regulatory guidelines and company credit policies

  3. Customer Assistance & Support:

  Guide borrowers through the loan settlement process, explaining terms and obligations

  Address borrower concerns, resolve disputes, and provide financial counseling where necessary

  Ensure borrowers understand the impact of settlements on their credit profile

  4. Data Analysis and Reporting:

  Track and analyze performance, default trends and prepare regular reports on settlements outcomes

  Use Excel and CRM tools to manage and analyze large datasets on risk assessment and loan settlements

  Provide data-driven insights to improve credit analysis and mediation strategies leading to improved success rates

  5. Cross-Functional Collaboration:

  Coordinate with credit risk, customer service and legal teams to optimize risk assessment and mediation strategies

  Work closely with external lenders and financial institutions to ensure smooth loan closure

  Communicate settlement terms and progress effectively with a stakeholders

About you

• Education: Minimum Bachelor's degree in related field

• Minimum 2 years of experience in Credit Analysis and experience in Debt service ratio, debt burden ratio or debt to income ratio

• Proficient in Tagalog (Mandatory) and Englis

• Strong problem-solving and decision-making abilities.

• Proficiency in MS Office Suite, (particularly Excel), CRM tools, and fi

• analysis software