`Credit Review Associate

Cepat Kredit Financing Inc; Bacolod; On-site; PHP 279,000 - 334,800; Full time

Job summary

A financial services company located in Bacolod is seeking a Credit Analyst to evaluate loan applications and financial statements for creditworthiness. In this role, you will protect the company from fraudulent accounts, ensure compliance with regulations, and prepare detailed credit review reports. A Bachelor's degree in a related field is required, and fresh graduates are encouraged to apply.

Qualifications

• 06 months related experience (fresh graduates are welcome to apply).

Responsibilities

• Protect the company from fraudulent accounts by conducting thorough investigations and reviewing all accounts being processed.
• Conduct a thorough analysis of loan applications, financial statements, credit reports, and other relevant documentation.
• Evaluate the risk profile of borrowers by analyzing factors such as income stability and credit history.
• Ensure compliance with internal policies and regulatory requirements.
• Verify the accuracy and completeness of loan documentation.
• Utilize financial models to assess the viability of credit proposals.
• Prepare detailed credit review reports summarizing findings and recommendations.
• Provide timely responses to inquiries from internal stakeholders.
• Conduct external verification to validate data provided by clients.
• Perform other tasks that may be assigned by the department head.

Education

Bachelor's degree in a related field

Job description

• Protect the company from fraudulent accounts by conducting thorough investigations and reviewing all accounts being processed
• Conduct a thorough analysis of loan applications, financial statements, credit reports, and other relevant documentation to assess the creditworthiness of borrowers
• Evaluate the risk profile of borrowers by analyzing factors such as income stability, debt-to-income ratio, credit history, collateral, and industry trends
• Ensure compliance with internal policies, guidelines, and regulatory requirements while reviewing credit applications
• Verify the accuracy and completeness of loan documentation, including legal and financial documents, and identify any potential discrepancies or red flags
• Utilize financial models and tools to assess the viability and profitability of credit proposals and determine appropriate loan terms and conditions
• Prepare detailed credit review reports summarizing the analysis, findings, and recommendations for credit decisions
• Provide timely and accurate responses to inquiries from internal stakeholders and maintain a customer‑centric approach in dealing with external customers
• Conduct external verification to validate data/information provided/submitted by clients concerning their loan applications
• Use or explore different methods of validation to verify the information provided/submitted by clients
• Perform other tasks that may be assigned by the department head

Job Specifications

• Educational Requirement: Bachelors degree in a related field
• Work Experience: 06 months related experience (fresh graduates are welcome to apply)