Credit Review Associate

Cepat Kredit Financing Inc.; Cavite City; On-site; PHP 279,000 - 502,000; Full time

Benefits offered by this job

Performance bonuses

Government-mandated benefits

Insurance (HMO)

Job summary

A financial services company located in Cavite seeks a Credit Analyst to review financial documents and assess credit applications. Candidates should possess a Bachelor's degree and 1-2 years of relevant experience. Strong analytical skills and attention to detail are essential. The role offers performance bonuses and HMO insurance as part of its benefits.

Qualifications

• 1–2 years of experience in credit analysis or similar roles.
• Knowledge of credit policies and regulatory compliance standards.
• High level of integrity in handling financial information.

Responsibilities

• Review and assess credit applications and financial statements.
• Analyze applicants' creditworthiness based on financial history.
• Ensure compliance with company credit policies.
• Identifying potential risks and providing recommendations for approval, revision, or decline of credit applications.
• Coordinating with sales, loans processing, and other departments to resolve discrepancies or obtain additional information.
• Preparing and maintaining accurate credit review reports and records.
• Monitoring approved accounts for early signs of delinquency or non-compliance with terms.
• Assisting in the development and enhancement of credit review procedures and risk assessment tools.
• Supporting internal and external audits by providing required credit documentation and reports.

Skills

Strong analytical skills

Problem-solving skills

Attention to detail

Communication skills

Communication skills

Education

Bachelor's degree in Finance, Accounting, or Business Administration

Tools

MS Office (Excel, Word, PowerPoint)

Job description

On-site position in Cavite, requiring 1-3 years of experience and a Bachelor's degree, full-time.

Job Description

The role involves reviewing and assessing credit applications, financial statements, and supporting documents for completeness and accuracy. Key responsibilities include:

• Reviewing and assessing credit applications, financial statements, and supporting documents for completeness and accuracy.
• Analyzing applicants’ creditworthiness based on financial history, income, collateral, and risk factors.
• Ensuring compliance with company credit policies, regulatory requirements, and lending procedures.
• Identifying potential risks and providing recommendations for approval, revision, or decline of credit applications.
• Coordinating with sales, loans processing, and other departments to resolve discrepancies or obtain additional information.
• Preparing and maintaining accurate credit review reports and records.
• Monitoring approved accounts for early signs of delinquency or non-compliance with terms.
• Assisting in the development and enhancement of credit review procedures and risk assessment tools.
• Supporting internal and external audits by providing required credit documentation and reports.
• Performing other related tasks as assigned.

Key Requirements:

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
• At least 1–2 years of experience in credit analysis, credit review, or related roles (preferably in banking or financing institutions).
• Strong analytical and problem-solving skills with keen attention to detail.
• Knowledge of credit policies, risk management, and regulatory compliance standards.
• Proficiency in MS Office applications (Excel, Word, PowerPoint).
• Strong written and verbal communication skills.
• Ability to manage multiple applications and meet turnaround times efficiently.
• High level of integrity and confidentiality in handling financial information.

Benefits

The company offers performance bonuses, incentives, government-mandated benefits, and insurance (HMO) for health and wellness.

Working Location

The position is based on-site in Cavite.

Please note that the company is committed to equal employment opportunities and is an EEO employer.