Credit Review Associate

Cepat Kredit Financing Inc; General Santos; On-site; PHP 279,000 - 502,000; Full time

Job summary

Cepat Kredit Financing Inc. is seeking a Credit Analyst to review credit applications, financial statements, and supporting documents for completeness and accuracy.

You will assess creditworthiness based on history, income, collateral, and risk factors, and ensure compliance with policies and regulatory requirements. Prepare clear credit review reports, monitor accounts for early signs of delinquency, and assist in improving credit procedures and risk tools.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
• 1–2 years of experience in credit analysis or credit review, preferably in banking.
• Strong analytical and problem-solving skills with attention to detail.
• Knowledge of credit policies, risk management, and regulatory compliance.
• Proficiency in MS Office (Excel, Word, PowerPoint) and report writing.

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

Credit analysis

Credit review

Attention to detail

Regulatory compliance

Analytical skills

Communication skills

Education

Bachelor’s degree in Finance, Accounting, Business Administration, or related field

Tools

Excel

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 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.

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.