Credit Review Associate

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

Benefits offered by this job

Performance Bonus

Incentives

Government Mandated Benefits

Insurance Health & Wellness: HMO

Professional Development: Job Training

Job summary

A financial services company in Manila is looking for an entry-level Credit Analyst to conduct thorough investigations and reviews of loan applications. Responsibilities include analyzing financial documentation to assess creditworthiness, ensuring compliance with regulations, and preparing detailed credit review reports. The ideal candidate should have a bachelor's degree in a related field. Fresh graduates are welcome to apply. Employee benefits include performance bonuses, HMO, and job training.

Qualifications

• Bachelor's degree in a related field.
• 0-6 months of related experience. Fresh graduates welcome.

Responsibilities

• Conduct thorough investigations and reviews of accounts.
• Analyze loan applications and credit reports to assess creditworthiness.
• Evaluate risk profiles of borrowers based on various factors.
• Ensure compliance with internal policies and regulatory requirements.
• Verify accuracy of loan documentation.
• Prepare detailed credit review reports.
• Respond to inquiries from internal stakeholders.
• Conduct external verification to validate client data.

Education

Bachelor's degree in a related field

Job description

Overview

On-site - Manila. No experience required. Bachelor. Full-time.

Responsibilities

1. Protect the company from fraudulent accounts by doing thorough investigations and reviews of all accounts being processed.
2. Conduct a thorough analysis of loan applications, financial statements, credit reports, and other relevant documentation to assess the creditworthiness of borrowers.
3. Evaluate the risk profile of borrowers by analyzing factors such as income stability, debt-to-income ratio, credit history, collateral, and industry trends.
4. Ensure compliance with internal policies, guidelines, and regulatory requirements while reviewing credit applications.
5. Verify the accuracy and completeness of loan documentation, including legal and financial documentation, and identify any potential discrepancies or red flags.
6. Utilize financial models and tools to assess credit proposals'' viability and profitability and determine appropriate loan terms and conditions.
7. Prepare detailed credit review reports summarizing the analysis, findings, and recommendations for credit decisions.
8. Provide timely and accurate responses to inquiries from internal stakeholders and maintain a customer-centric approach in dealing with external customers.
9. Conducts external verification to validate data/information provided/submitted by clients concerning their loan applications.
10. Use or find different methods of validation to verify the information provided/submitted by clients.
11. Other tasks that may be endorsed by the department head.

Qualifications

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

Benefits

• Employee Recognition and Rewards: Performance Bonus, Incentives
• Government Mandated Benefits
• Insurance Health & Wellness: HMO
• Professional Development: Job Training

Working Location

Unit 25 2nd flr., San Luis Building Administration. San Luis Terraces, 1000 Kalaw Ave, Ermita, Manila, 1000 Metro Manila, Philippines

If the position requires you to work overseas, please be vigilant and beware of fraud.

If you encounter an employer who has the following actions during your job search, please report it immediately

• withholds your ID,
• requires you to provide a guarantee or collects property,
• forces you to invest or raise funds,
• collects illicit benefits,
• or other illegal situations.

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