Credit Review Associate

Cepat Kredit Financing Inc; Pasig; On-site; PHP 279,000 - 469,000; Full time

Job summary

A financial services company located in Pasig is seeking an Entry-Level Credit Reviewer. The role involves protecting the company from fraud, analyzing loan applications, and preparing credit review reports. Ideal candidates should have a Bachelor's degree and strong communication skills. Fresh graduates are welcome, and the position is full-time with flexible hours.

Qualifications

• 0–6 months related experience; fresh graduates are welcome to apply.
• High organizational skills and ability to work under pressure.
• Willingness to work flexible hours, including weekends and holidays.
• Strong organisational and administrative skills.
• Ability to multitask and work under pressure.
• Proficient in MS applications and willing to learn other systems used by the company.
• High organisational skills.
• Willingness to work flexible hours, including weekends and holidays, as needed.
• Can work independently and with a team.

Responsibilities

• Protect the company from fraudulent accounts via thorough investigations.
• Analyze loan applications and financial documentation for creditworthiness.
• Prepare detailed credit review reports with recommendations.
• 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.
• Utilise financial models and tools to assess credit proposals' viability and profitability and determine appropriate loan terms and conditions.
• Prepare detailed credit review reports summarising 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.
• Conduct 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.
• Perform other tasks that may be endorsed by the department head.

Skills

Excellent communication

Strong organizational skills

Ability to multitask

Proficient in MS applications

Working under pressure

MS applications

Teamwork

Flexibility to work hours

Independent work

Education

Bachelor's degree in any related field

Job description

Responsibilities

• Protect the company from fraudulent accounts by conducting 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 analysing 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.
• Utilise financial models and tools to assess credit proposals' viability and profitability and determine appropriate loan terms and conditions.
• Prepare detailed credit review reports summarising 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.
• Conduct 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.
• Perform other tasks that may be endorsed by the department head.

Qualifications

• Bachelor's degree in any related field.
• 0–6 months related experience; fresh graduates are welcome to apply.
• Excellent communication and interpersonal skills.
• Strong organisational and administrative skills.
• Ability to multitask and work under pressure.
• Proficient in MS applications and willing to learn other systems used by the company.
• High organisational skills.
• Willingness to work flexible hours, including weekends and holidays, as needed.
• Can work independently and with a team.

Seniority level

• Entry level

Employment type

• Full‑time

Job function

• Finance and Accounting/Auditing

Industries

• Banking and Financial Services

Location: Pasig, National Capital Region, Philippines