Credit Review Associate

Cepat Kredit Financing Inc; General Santos; On-site; PHP 279,000 - 390,600; Full time

Benefits offered by this job

Performance bonuses

Incentives

Insurance health and wellness programs

Job summary

A financing company in General Santos is seeking an HR Officer to review credit applications and assess financial statements for completeness and accuracy. The candidate must have a Bachelor's degree in a relevant field and 1-2 years of experience in credit analysis. Strong analytical skills and proficiency in MS Office are required. Benefits include performance bonuses and health programs.

Qualifications

• 1–2 years of experience in credit analysis or credit review.
• Knowledge of credit policies and risk management.
• Strong attention to detail in analyzing documents.

Responsibilities

• Review and assess credit applications and financial statements.
• Analyze applicants’ creditworthiness based on financial history.
• Ensure compliance with company credit policies.

Skills

Analytical skills

Problem-solving skills

Communication skills

Proficiency in MS Office

Education

Bachelor's degree in Finance, Accounting, Business Administration

Job description

Job Description

The HR Officer will be responsible for reviewing and assessing credit applications, financial statements, and supporting documents for completeness and accuracy. Key responsibilities include:

• 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 for this role include:

• 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.

We offer a range of benefits, including performance bonuses, incentives, government-mandated benefits, and insurance health and wellness programs.

Please note that we are an equal opportunities employer and welcome applications from all qualified candidates.