Credit Analyst

Mondo BPO Solutions (Philippines) Inc.; Makati; On-site; PHP 360,000 - 600,000; Full time

Job summary

Mondo BPO Solutions (Philippines) Inc. is seeking a Credit Analyst in Makati to evaluate borrowers and recommend sustainable credit decisions. You will analyze credit reports, bank statements, and KYC data to assess risk and repayment capacity, supporting responsible lending.

Onsite in Makati, dayshift, you will coordinate with risk, legal, and customer service teams, manage settlements, and provide data-driven insights using Excel and CRM tools to improve credit analysis and outcomes.

Qualifications

• Education: Minimum Bachelor's degree in related fields.
• Minimum 2 years of experience in Credit Analysis.
• Understanding of financial ratios, like DBR, DSR, DTI, FOIR, etc.
• Proficient in Tagalog (Mandatory) and English.
• Strong problem-solving and decision-making abilities.
• Proficiency in MS Office Suite, (particularly Excel), CRM tools, and financial analysis software.

Responsibilities

• 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.
• 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 to confirm 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 loan.
• Ensure compliance with regulatory guidelines and company credit policies.
• 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.
• 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.
• 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 all stakeholders.

Skills

Credit analysis

Problem solving

Decision making

English proficiency

Tagalog proficiency

Education

Bachelor's degree in related fields

Tools

MS Excel

CRM tools

Financial analysis software

Job description

About the Role

The Credit Analyst will work with borrowers who are experiencing financial difficulties and require structured solutions such as debt restructuring, loan consolidation, and refinancing.

The role requires a strong understanding of credit risk, repayment capacity, and borrower behavior. Rather than relying solely on conventional lending metrics, you will evaluate each case holistically to support responsible and sustainable credit decisions.

This will play a key role in balancing customer rehabilitation with prudent risk management, helping borrowers regain financial stability while protecting the quality of client's portfolio.

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 to confirm 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 loan

• 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 all stakeholders

Qualifications:

• Education: Minimum Bachelor's degree in related fi elds.

• Minimum 2 years of experience in Credit Analysis.

• Understanding of financial ratios, like DBR, DSR, DTI, FOIR, etc.

• Proficient in Tagalog (Mandatory) and English.

• Strong problem-solving and decision-making abilities.

• Proficiency in MS Office Suite, (particularly Excel), CRM tools, and financial analysis software.

Work Setup:

Onsite

Location:

Makati

Schedule:

Dayshift