Credit Review Associate

Cepat Kredit Financing Inc.; Cebu City; On-site; PHP 167,000 - 279,000; Full time

Benefits offered by this job

Health Insurance

HMO

Performance Bonus

Incentives

Job summary

Cepat Kredit Financing Inc. in Cebu City, Philippines is seeking a fresh graduate for an on-site full-time role as a Credit Analyst.

You will perform thorough account investigations, analyze loan applications, assess borrower creditworthiness, ensure compliance, and prepare credit review reports. The position offers health benefits (Health Insurance, HMO), performance incentives, and opportunities for professional development.

Qualifications

• Educational requirement: bachelor’s degree in a related field.
• Work Experience: 0-6 months related experience. Fresh graduates are welcome to apply.

Responsibilities

• Protect the company from fraudulent accounts by thorough investigations and review of 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 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 documentation, and identify discrepancies or red flags.
• Utilize financial models and tools to assess credit proposals' viability and determine appropriate loan terms and conditions.
• Prepare detailed credit review reports summarizing the analysis, findings, and recommendations for credit decisions.
• Provide timely responses to inquiries from internal stakeholders and maintain a customer-centric approach with external customers.
• Conduct external verification to validate data/information provided by clients concerning their loan applications.
• Use or find different methods of validation to verify the information provided by clients.
• Other tasks endorsed by the department head

Skills

Financial analysis

Credit assessment

Regulatory compliance

Customer service

Education

Bachelor’s degree in related field

Job description

On-site - Cebu Fresh Graduate/Student Bachelor Full-time

Job Description

Employee Recognition and Rewards

Performance Bonus, Incentives

Government Mandated Benefits

Insurance Health & Wellness

Health Insurance, HMO

Professional Development

Job Training

• Protect the company from fraudulent accounts by doing thorough investigations and review of 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 documentation, and identify any potential discrepancies or red flags
• Utilize financial models and tools to assess credit proposals' viability and profitability 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 find different methods of validation to verify the information provided/submitted by clients
• Other tasks that may be endorsed by the department head

SPECIFICATIONS

• Educational Requirement: bachelor’s degree in a related field
• Work Experience: 0-6 months related experience. Fresh graduates are welcome to apply

HR Officer Cepat Kredit Financing Inc.