Credit Analyst

Savvy Loans; Quezon City; On-site; PHP 360,000 - 480,000; Full time

Job summary

Savvy Loans is seeking a detail-oriented Credit Analyst to join our growing Credit Team in Quezon City. You will review and assess loan applications to determine approval outcomes in line with company credit policies.

The ideal candidate has strong analytical and decision-making skills, high attention to detail, and the ability to work independently and with teams while ensuring data integrity and compliance with regulatory requirements.

Qualifications

• Experience in credit analysis, lending, financial services, or loan processing.
• Strong analytical and decision‑making skills.
• High attention to detail and strong documentation accuracy.
• Good understanding of credit risk assessment and financial documentation.
• Ability to work independently and collaboratively in a team environment.
• Strong communication and reporting skills.
• Ability to manage multiple applications while maintaining accuracy and efficiency.

Responsibilities

• Review and assess loan applications to determine approval outcomes.
• Perform financial analysis and verification of supporting documents.
• Ensure loan applications are processed accurately, compliantly, and in a timely manner.
• Undertake loan conversion activities when required.
• Maintain accurate documentation, records, and system notes related to credit assessments.
• Identify and report system data transfer or calculation errors.
• Ensure data integrity and authenticity of all information used in credit decisions.
• Stay updated on industry trends, financial products, and competitor activities.
• Collaborate with Customer Service, Collections, and Technical teams to resolve issues and improve processes.
• Participate in team meetings, training sessions, and continuous learning activities.
• Recommend improvements to credit assessment processes and system enhancements.

Skills

Credit analysis

Analytical skills

Decision-making

Documentation accuracy

Credit risk assessment

Communication skills

Team collaboration

Multitasking

Job description

We are looking for a detail-oriented Credit Analyst to join our growing Credit Team. In this role, you will be responsible for reviewing and assessing loan applications to determine approval outcomes in accordance with company credit policies and standards.

The ideal candidate has strong analytical skills, excellent attention to detail, and the ability to make sound credit decisions while maintaining compliance with internal policies and regulatory requirements.

Key Responsibilities

Review and assess loan applications to determine whether they should be approved, deferred, or declined in line with company credit policies and lending guidelines.

Perform financial analysis and verification of supporting documents and financial statements.

Ensure loan applications are processed accurately, compliantly, and in a timely manner to support efficient decision-making.

Undertake loan conversion activities when required.

Maintain accurate documentation, records, and system notes related to credit assessments.

Identify and report system data transfer or calculation errors through the appropriate channels.

Ensure data integrity and authenticity of all information used in credit decisions.

Stay updated on industry trends, financial products, and competitor activities.

Collaborate with Customer Service, Collections, and Technical teams to resolve issues and improve processes.

Participate in team meetings, training sessions, and continuous learning activities.

Recommend improvements to credit assessment processes and system enhancements where applicable.

Qualifications & Skills

Experience in credit analysis, lending, financial services, or loan processing preferred.

Strong analytical and decision‑making skills.

High attention to detail and strong documentation accuracy.

Good understanding of credit risk assessment and financial documentation.

Ability to work independently and collaboratively in a team environment.

Strong communication and reporting skills.

Ability to manage multiple applications while maintaining accuracy and efficiency.