Credit Review Associate

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

Job summary

A financial services company in Cebu City is looking for an Entry-Level Finance Officer to conduct thorough investigations and analyses of loan applications. This full-time position is suitable for fresh graduates with a bachelor's degree in a related field. You will be responsible for evaluating creditworthiness and ensuring compliance with regulatory requirements. Strong analytical skills are essential for this role.

Qualifications

• 0–6 months of related experience; fresh graduates are welcome.
• Strong analytical skills to evaluate creditworthiness.
• Ability to ensure compliance with regulatory requirements.

Responsibilities

• Conduct thorough investigations and reviews of all accounts.
• Analyze loan applications and financial documentation to assess creditworthiness.
• Prepare detailed credit review reports with findings and recommendations.
• Provide timely responses to inquiries from stakeholders.

Education

Bachelor's degree in a related field

Job description

Responsibilities

• Protect the company from fraudulent accounts by conducting thorough investigations and reviews of all accounts being processed.
• Conduct comprehensive analyses 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 or submitted by clients concerning their loan applications.
• Use or find different methods of validation to verify the information provided or submitted by clients.
• Other tasks that may be assigned by the department head.

Specifications

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

Seniority Level

• Entry level

Employment Type

• Full‑time

Job Function

• Finance

Industry

• Banking and Financial Services