Credit Approver

Bravissimo Resourcing Inc.; Mandaluyong; On-site; PHP 360,000 - 520,000; Full time

Benefits offered by this job

Incentives

Government-mandated benefits

Health Insurance

Job summary

A financial services firm in Mandaluyong is seeking a candidate for an on-site position that requires at least a Bachelor's degree and 1-3 years of relevant experience. This role will involve evaluating loan applications, analyzing financial data, ensuring compliance with regulations, and collaborating with other professionals for effective loan management. Strong communication and negotiation skills are essential for success in this position, which also offers competitive employee recognition and rewards.

Qualifications

• 1 year of experience preferred in relevant field.
• Ability to resolve disputes and handle billing issues.
• Familiarity with regulations in financial sectors.
• Familiarity with legal aspects of collections and debt recovery
• Proficiency of Microsoft Office and ability to manage high volume accounts independently
• Amendable to work onsite in Makati City

Responsibilities

• Evaluate loan/credit applications and borrower information.
• Analyze financial statements and credit scores.
• Determine creditworthiness and market position.
• Prepare detailed reports recommending credit terms.
• Ensure compliance with regulatory requirements.
• Manage assigned accounts and monitor loans.
• Collaborate with lending officers for loan packaging.

Skills

Strong communication skills

Negotiation skills

Presentation skills

Knowledge of debt collection practices

Proficiency in Microsoft Office

Account management

Education

Bachelor’s degree

Tools

Microsoft Office

Job description

On-site - Mandaluyong 1-3 Yrs Exp Bachelor Full-time

Job Description

Employee Recognition and Rewards

Incentives

Government Mandated Benefits

Insurance Health & Wellness

HMO

Qualifications;

• Bachelor’s degree with a year of experience preferred
• Strong communication, negotiation, and presentation skills with the ability to resolve disputes and billing issues.
• Knowledge of debt collection practices, financial regulations, and customer credit policies is a plus.
• Familiarity with legal aspects of collections and debt recovery.
• Proficiency of Microsoft Office and ability to manage high volume accounts independently.
• Amendable to work onsite in Makati City

Core Responsibilities

• Application Review: Evaluating loan/credit applications, gathering borrower info (documents, interviews, site visits).
• Financial Analysis: Analyzing financial statements, ratios, cash flows, and credit scores to assess risk.
• Risk Assessment: Determining the borrower's creditworthiness, market position, and potential for default.
• Recommendation: Preparing detailed reports (like ERCA ), recommending approval, denial, or setting credit terms (limits, interest).
• Compliance: Ensuring all processes adhere to internal policies and regulatory requirements (e.g., BSA/AML).
• Portfolio Management: Managing assigned accounts, monitoring existing loans, and handling client queries.
• Collaboration: Working closely with lending officers and account managers for smooth loan packaging.