Credit Card Support Specialist IV

JP Morgan Chase Bank; Manila; On-site; PHP 480,000 - 720,000; Full time

Job summary

JP Morgan Chase in Manila seeks a Financial Statement Spreading Analyst to translate complex borrower data into decision-ready insights. You will analyze financial statements, spread figures, and abstract key terms from loan documents to support credit decisions.

Collaborating with credit and lending operations, you will maintain data quality, meet SLAs, and use internal systems to interpret data and document outcomes.

Qualifications

• 2+ years of experience in banking, mortgage, financial analysis, loan operations, or a related field.
• Demonstrated ability to analyze financial statements and accurately spread/abstract key financial data.
• Working knowledge of common lending and servicing documents (e.g., lease agreements, mortgage documents, credit agreements, accounts receivable/payable reporting, rent rolls).
• Strong verbal and written communication skills to collaborate with stakeholders across levels.
• Ability to manage complex requests with minimal supervision and make independent process decisions within defined guidelines.
• Advanced proficiency in Microsoft Excel and Microsoft Access.

Responsibilities

• Analyze financial statements and complete spreading in accordance with documented guidelines.
• Process financial statements and supporting documents (e.g., appraisal reports, borrowing base certificates, compliance certificates) and abstract critical data.
• Review loan and mortgage-related documents and process transactions according to service-level agreement requirements.
• Interpret legal and underwriting-related documentation and perform due diligence to support lending requirements.
• Research incoming requests and complete deliverables within agreed timelines.
• Use internal systems to interpret data, analyze results, and document outcomes accurately.
• Follow up on missing or deficient documentation with relevant stakeholders.
• Apply judgment to make informed decisions within documented process guidelines and escalation paths.

Skills

Banking experience

Financial analysis

Spread/abstract data

Education

Bachelor's degree in commerce, accounting, finance

Tools

Excel

Microsoft Access

Job description

Turn complex financial and loan documentation into clear, decision-ready insights. In this role, you will help ensure data quality, strong documentation standards, and timely processing. You will partner with stakeholders across credit and operations while building deep expertise in financial analysis and lending documentation.

As a Financial statement spreading analyst in the Credit and lending operations team, you will analyze borrower financial information, spread statements, and abstract key terms from loan-related documents to support sound credit processes. You will apply quality standards, meet service-level commitments, and collaborate with stakeholders to resolve documentation gaps. You will also use internal systems to interpret data and produce accurate outputs that enable informed decisions.

Job responsibilities

• Analyze financial statements and complete spreading in accordance with documented guidelines
• Process financial statements and supporting documents (e.g., appraisal reports, borrowing base certificates, compliance certificates) and abstract critical data
• Review loan and mortgage-related documents and process transactions according to service-level agreement requirements
• Interpret legal and underwriting-related documentation and perform due diligence to support lending requirements
• Research incoming requests and complete deliverables within agreed timelines
• Use internal systems to interpret data, analyze results, and document outcomes accurately
• Follow up on missing or deficient documentation with relevant stakeholders
• Apply judgment to make informed decisions within documented process guidelines and escalation paths

Required qualifications, capabilities and skills

• 2+ years of experience in banking, mortgage, financial analysis, loan operations, or a related field
• Demonstrated ability to analyze financial statements and accurately spread/abstract key financial data
• Working knowledge of common lending and servicing documents (e.g., lease agreements, mortgage documents, credit agreements, accounts receivable/payable reporting, rent rolls)
• Strong verbal and written communication skills to collaborate with stakeholders across levels
• Ability to manage complex requests with minimal supervision and make independent process decisions within defined guidelines
• Advanced proficiency in Microsoft Excel and Microsoft Access
• Strong attention to detail and problem-solving skills
• Effective time management, prioritization, and issue management skills
• Ability and willingness to work in shifts

Preferred qualifications, capabilities and skills

• Bachelor’s degree in commerce, accounting, finance, or a related discipline
• Experience interpreting legal or underwriting-related documentation in a credit or lending environment
• Demonstrated flexibility and accountability in a fast-paced operations setting
• Strong interpersonal skills and ability to work effectively in a team environment