Credit Analyst

fundoloans; Manila; A distancia; PHP 350.000 - 550.000; Jornada completa

Descripción de la vacante

funduloans is seeking a Credit Analyst to assess loan applications and make sound approvals or deferrals in line with credit policies and standards. The role emphasizes accurate data interpretation, timely decision-making, and collaboration across distributed teams.

The position requires strong communication, attention to detail, and the ability to work flexible hours, including weekends as business needs demand. Remote work from home arrangements are supported for offshore approvers.

Formación

• High school or equivalent completion required; tertiary qualification in financial services or related field highly regarded.
• Strong verbal and written communication with the Credit team and other Fundo teams.
• Competent IT proficiency with MS Office (Word, Excel, Outlook).
• Excellent attention to numerical and text data with high accuracy.
• Ability to work output consistently and meet deadlines with a positive attitude.
• Demonstrated analytical skills to interpret data for credit decisions.
• Capacity to work in a decentralised offshore approval environment.
• Experience in credit analysis or processing preferred.
• Flexible hours including some weekends as needed.

Responsabilidades

• Assess loan applications to determine approval, deferral, or decline under credit policies and lending principles.
• Ensure timely and accurate decision flow to expedite application processing.
• Identify data transfer and calculation errors and notify through appropriate channels.
• Suggest system corrections and improvements via proper channels.
• Participate actively in group and team meetings.
• Undertake loan conversion activities when requested.
• Maintain and enhance credit assessment techniques through training.

Conocimientos

Analytical skills

Communication

Attention to detail

Deadline oriented

Educación

High school diploma

Financial services / accounting qualification

Herramientas

MS Office

Excel

Word

Outlook

Descripción del empleo

Credit Analysts are expected to positively contribute to the company achieving its business operational goals and objectives outcomes by:

• Considering loan applications submitted for approval for the purpose of determining whether to approve, defer or decline the application, in accordance with the company’s credit policies, standards and practices and with sound lending principles and applicable legal obligations.
• Meeting the outcomes expected above in an accurate, compliant and timely manner to ensure the rapid flow of applications through the decision-making process.
• Accurately identifying system data transfer and calculation errors and then notifying these in the appropriate communications channels in a timely manner.
• Identifying system correction, enhancement and improvement opportunities and submitting appropriate suggestions through the appropriate communications channel for consideration.
• Attending and actively participating in group and team meetings and activities when expected to do so.
• Undertaking loan conversion activities when requested or required to do so.
• Maintaining and enhancing credit assessment techniques by attending all required training events and satisfactorily completing all required courses and activities.

Performance will be assessed against the minimum performance criteria as reviewed and advised by management on a regular basis.

Education and/or Work Experience Requirements:

• Well-developed verbal and written communication skills, including the ability to effectively communicate with other members of the Credit team and members of other Fundo teams.
• Competent computer and IT proficiency (MS Office – Word, Excel, Outlook).
• Strong attention to detail and the ability to interpret high levels of numerical and text data with a high degree of accuracy.
• Must be able to work at a consistent level of output and meet deadlines, while maintaining a positive attitude and providing exemplary service.
• Demonstrated analytical skills, with the ability to quickly interpret multiple data points against defined criteria in order to make an appropriate credit approval decision.
• The capacity to work day-to-day in a decentralised and non-directly supervised environment (offshore located approvers).
• High school or equivalent completion required. A tertiary qualification in financial services, credit management, accounting or business studies will be highly regarded.
• Previous experience in a credit analysis, management or processing role or a data entry and interpretation role preferred.
• Capacity to work flexible work hours and on some weekends in accordance with the business’ needs.

Physical Requirements:

• Capacity to perform required duties while working from home (offshore located approvers).
• Willingness to complete work hours aligned with Eastern Australian time zones (offshore located approvers).
• Must be able to listen and speak clearly on on-line meeting channels.