`Credit Review Associate

Cepat Kredit Financing Inc; Bacolod; On-site; PHP 223,200 - 334,800; Full time

Job summary

A financial services company in the Philippines seeks an individual for a credit analyst role. The position involves protecting the company from fraud by conducting investigations, analyzing loan applications, and ensuring compliance with regulatory requirements. Ideal candidates should hold a bachelor's degree and may have at least six months of related experience. Fresh graduates are encouraged to apply, and the role focuses on maintaining a customer-centric approach while dealing with both internal and external stakeholders.

Qualifications

• Bachelors degree in a related field is required.
• 06 months related experience (fresh graduates welcome to apply).

Responsibilities

• Protect the company from fraudulent accounts by conducting thorough investigations.
• Conduct a thorough analysis of loan applications and financial statements.
• Evaluate the risk profile of borrowers using various factors.
• Ensure compliance with policies and regulatory requirements.
• Verify accuracy and completeness of loan documentation.
• Utilize financial models to assess viability of credit proposals.
• Prepare detailed credit review reports summarizing findings.
• Provide timely responses to inquiries from stakeholders.
• Conduct external verification based on provided information.
• Explore different methods of validation for client information.
• Perform other tasks 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)