Credit Assistant Manager

A7 Recruitment Corporation; Cebu City; Presencial; PHP 600.000 - 900.000; Jornada completa

Descripción de la vacante

A7 Recruitment Corporation is seeking a strong Credit Analyst in Cebu City to review credit applications, monitor portfolio risk, and support policy improvements. The role requires 3–5 years in credit analysis and at least 2 years in leadership, with solid Excel and analytical skills.

You will collaborate with Sales, Operations, and Collections to ensure compliant credit decisions, while preparing reports and dashboards for management review.

Formación

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or related field.
• 3–5 years of experience in credit analysis, credit risk management, or underwriting.
• 2 years of supervisory or leadership experience preferred.

Responsabilidades

• Review and evaluate credit applications to ensure policy and risk standard compliance.
• Monitor portfolio quality, exposures, and risk indicators to minimize defaults.
• Conduct credit analysis and recommend credit decisions and limits.
• Ensure timely processing of credit applications and approvals.
• Support implementation and improvement of credit policies and procedures.
• Analyze credit trends and portfolio performance for risk management insights.
• Collaborate with Sales, Operations, and Collections on credit management.
• Prepare credit reports, portfolio analyses, and dashboards.
• Ensure compliance with internal controls and regulations.
• Lead, coach, and develop the credit team to meet objectives.

Conocimientos

Credit analysis

Risk assessment

Loan underwriting

Portfolio monitoring

Analytical thinking

Decision making

Stakeholder management

Excel

Financial analysis tools

Integrity & attention to detail

Educación

Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or related field

Herramientas

Microsoft Excel

Descripción del empleo

Key Responsibilities

• Review and evaluate credit applications to ensure compliance with company credit policies and risk standards.

• Monitor portfolio quality, credit exposures, and risk indicators to minimize defaults and bad debts.

• Conduct credit analysis and recommend appropriate credit decisions and credit limits.

• Ensure timely and accurate processing of credit applications and approvals.

• Support the implementation and continuous improvement of credit policies and procedures.

• Analyze credit trends and portfolio performance to provide actionable risk management recommendations.

• Collaborate with Sales, Operations, and Collections teams to ensure effective credit management.

• Prepare credit reports, portfolio analyses, and management dashboards.

• Ensure compliance with internal controls, regulatory requirements, and company policies.

• Lead, coach, and develop the credit team to achieve operational and business objectives.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field.

• At least 3-5 years of experience in credit analysis, credit risk management, or underwriting, preferably in the financing, banking, or lending industry.

• At least 2 years of supervisory or leadership experience is preferred.

Skills and Competencies

• Strong knowledge of credit analysis and risk assessment principles.

• Experience in loan underwriting and credit portfolio monitoring.

• Strong analytical, problem-solving, and decision-making skills.

• Excellent communication and stakeholder management abilities.

• Proficiency in Microsoft Excel and financial analysis tools.

• High level of integrity, attention to detail, and professionalism.