Credit Analyst (PH)

FLIN; Makati; On-site; PHP 360,000 - 480,000; Full time

Job summary

FLIN is seeking a Credit Analyst to assess creditworthiness, analyze risk, and manage settlements for loan portfolios. The role requires strong analytical skills, fluency in Tagalog and English, and in-person work from Makati.

The candidate will coordinate with risk, legal, and customer service teams to ensure compliant and timely loan closures and will utilize Excel/CRM tools for data-driven insights.

Qualifications

• Education: Minimum Bachelor's degree in related fields.
• Minimum 2 years of experience in Credit Analysis.
• 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.
• Ability to commute/relocate to Makati (in-person work).
• Work Location: Fully WFO In person from Makati.

Responsibilities

• Credit Assessment & Risk Management: analyze credit bureau reports, bank statements, and KYC documents.
• 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 mitigation strategies to minimize defaults.
• Loan Settlement: assess repayment capacity and feasibility; handle settlements for borrower obligations.
• Coordinate with credit risk, customer service and legal teams to optimize risk assessment and mediation strategies.
• Data Analysis & Reporting: track performance, default trends, and prepare settlement outcome reports using Excel and CRM.
• Cross-Functional Collaboration: communicate terms and progress with stakeholders; work with external lenders for closures.

Skills

Credit assessment

Risk management

Financial analysis

Excel

CRM tools

Tagalog

English

MS Office

Education

Bachelor's degree

Tools

Excel

CRM tools

MS Office

Job description

• 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.
• 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
• 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
• 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

Key Responsibilities

• 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.
• 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
• 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
• 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

4. 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 fields.
• Minimum 2 years of experience in Credit Analysis.
• 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.
• Ability to commute/relocate: Makati - Reliably commute or planning to relocate before starting work (Preferred)
• Work Location: Fully WFO In person from Makati