Credit Analyst (PH)

FLIN Financing Corporation; Makati; Sur place; PHP 350 000 - 650 000; Plein temps

Résumé du poste

FLIN Financing Corporation in Makati is seeking a Credit Analyst to assess applicants' creditworthiness by reviewing credit bureau reports, bank statements, and KYC documents. The role emphasizes in-depth financial analysis and adherence to regulatory standards.

You will make informed credit decisions, identify potential risks, and collaborate with risk and legal teams to ensure compliant loan settlements and timely disbursements.

Qualifications

• A Bachelor's degree in a related field.
• Minimum 2 years of experience in Credit Analysis.
• Proficient in Tagalog and English.
• Strong problem-solving and decision-making abilities.
• Proficiency in MS Office Suite, Excel, CRM tools, and financial analysis software.

Responsabilités

• Analyze credit bureau reports, bank statements, and KYC documents to evaluate applicants' creditworthiness.
• Conduct in-depth financial analysis and risk assessments for loan applications.
• Evaluate loan applications and make informed credit decisions within risk appetite.
• Identify risks and recommend mitigation strategies to minimize defaults.
• Coordinate with internal teams to ensure timely loan disbursement and settlements.
• Assist in settlements and set up repayment arrangements.

Connaissances

Credit Analysis

Problem Solving

CRM tools

Excel

Financial analysis software

Formation

Bachelor's degree

Outils

MS Office Suite

Description du poste

Key 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.
• 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

2.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

3.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 WFOIn person from Makati