Credit Review Associate

Cepat Kredit Financing Inc; Metro Manila; On-site; PHP 240,000 - 420,000; Full time

Job summary

Cepat Kredit Financing Inc in Metro Manila is seeking a detail-oriented Credit Analyst to review loan applications, financial statements, and credit reports to assess borrowers' creditworthiness. You will identify risk factors, ensure documentation accuracy, and support credit decisions with clear analyses.

Fresh graduates with 0–6 months of related experience are welcome. The role emphasizes compliance with internal policies and regulatory requirements, data validation, and timely communication

Qualifications

• Bachelor’s degree in a related field.
• Fresh graduates are welcome to apply with 0–6 months of related experience.

Responsibilities

• Protect the company from fraudulent accounts by doing thorough investigations and reviews of all accounts being processed.
• Conduct a thorough analysis 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.
• Conducts external verification to validate data/information provided/submitted by clients concerning their loan applications.
• Use or find different methods of validation to verify the information provided/submitted by clients.
• Other tasks that may be endorsed by the department head.

Skills

Credit analysis

Risk assessment

Financial statement review

Fraud detection

Data validation

Education

Bachelor's degree in related field

Job description

• Protect the company from fraudulent accounts by doing thorough investigations and reviews of all accounts being processed.


• Conduct a thorough analysis 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.


• Conducts external verification to validate data/information provided/submitted by clients concerning their loan applications.


• Use or find different methods of validation to verify the information provided/submitted by clients.


• Other tasks that may be endorsed by the department head.

Duties And Responsibilities

• Protect the company from fraudulent accounts by doing thorough investigations and reviews of all accounts being processed.


• Conduct a thorough analysis 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.


• Conducts external verification to validate data/information provided/submitted by clients concerning their loan applications.


• Use or find different methods of validation to verify the information provided/submitted by clients.


• Other tasks that may be endorsed by the department head.

JOB SPECIFICATIONS

Educational Requirement: bachelor’s degree in a related field

Work Experience: 0-6 months of related experience. Fresh graduates are welcome to apply.