Credit Assistant Manager

A7 Recruitment Company; Cebu City; On-site; PHP 600,000 - 1,000,000; Full time

Job summary

A7 Recruitment Company is seeking a Credit Assistant Manager in Cebu City to oversee credit analysis, risk assessment, and underwriting. The role will ensure policy compliance, timely approvals, and effective risk management while leading the credit team to meet business objectives.

The ideal candidate will have a relevant degree and 3–5 years of experience in credit analysis or underwriting, with at least 2 years in supervision. Strong Excel and analytical skills are essential.

Qualifications

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

Responsibilities

• Review and evaluate credit applications to ensure policy compliance.
• Monitor portfolio quality, exposures, and risk indicators to minimize defaults.
• Conduct credit analysis and recommend decisions and limits.
• Ensure timely processing of credit applications and approvals.
• Lead and develop the credit team to meet objectives.
• Prepare credit reports, portfolio analyses, and dashboards.
• Coordinate with Sales, Operations, and Collections.
• Ensure compliance with internal controls and regulatory requirements.
• Support policy improvements and risk management initiatives.

Skills

Credit analysis

Risk assessment

Loan underwriting

Portfolio monitoring

Excel & financial analysis

Stakeholder management

Education

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

Tools

MS Excel

Job description

CREDIT ASST. MANAGER

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 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 risk management recommendations.
• Coordinate with Sales, Operations, and Collection teams to ensure effective credit management.
• Prepare credit reports, portfolio analysis, and management dashboards.
• Ensure compliance with internal controls, regulatory requirements, and company policies.
• Lead 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.
• Minimum of 3–5 years of experience in credit analysis, credit risk management, or underwriting, preferably within financing, banking, or lending industries.
• 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 portfolio monitoring.
• Strong analytical 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.