Credit Review Associate

Cepat Kredit Financing Inc; Dasmariñas; On-site; PHP 300,000 - 720,000; Full time

Job summary

Cepat Kredit Financing Inc in Dasmariñas, Cavite seeks a Credit Analyst to assess applications and financial statements, ensuring accuracy and policy compliance. You will evaluate creditworthiness and prepare review reports, supporting audits while maintaining confidentiality and meeting turnaround times.

The role involves collaboration with Sales and Loans Processing, with opportunities to refine risk tools and contribute to policy improvements.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
• 1–2 years of experience in credit analysis, credit review, or related roles.
• 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).
• Excellent written and verbal communication; ability to meet turnaround times.

Responsibilities

• Review and assess credit applications, financial statements, and supporting documents for completeness and accuracy.
• Analyze applicants’ creditworthiness based on financial history, income, collateral, and risk factors.
• Ensure compliance with company credit policies, regulatory requirements, and lending procedures.
• Identify potential risks and provide recommendations for approval, revision, or decline of credit applications.
• Coordinate with sales, loans processing, and other departments to resolve discrepancies or obtain additional information.
• Prepare and maintain accurate credit review reports and records.
• Monitor approved accounts for early signs of delinquency or non-compliance with terms.
• Assist in the development and enhancement of credit review procedures and risk assessment tools.
• Support internal and external audits by providing required credit documentation and reports.
• Perform other related tasks as assigned.

Skills

Analytical thinking

Problem-solving

Attention to detail

Communication skills

Regulatory knowledge

MS Office proficiency

Education

Bachelor’s degree in Finance

Accounting

Business Administration

Tools

Microsoft Excel

Microsoft Word

PowerPoint

Job description

• Review and assess credit applications, financial statements, and supporting documents for completeness and accuracy.
• Analyze applicants’ creditworthiness based on financial history, income, collateral, and risk factors.
• Ensure compliance with company credit policies, regulatory requirements, and lending procedures.
• Identify potential risks and provide recommendations for approval, revision, or decline of credit applications.
• Coordinate with sales, loans processing, and other departments to resolve discrepancies or obtain additional information.
• Prepare and maintain accurate credit review reports and records.
• Monitor approved accounts for early signs of delinquency or non-compliance with terms.
• Assist in the development and enhancement of credit review procedures and risk assessment tools.
• Support internal and external audits by providing required credit documentation and reports.
• Perform 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.