Credit Review/ Processing Supervisor

Nittan Capital Finance Inc; Pasig; On-site; PHP 334,800 - 669,600; Full time

Job summary

A financial services firm in the Philippines is seeking a Credit Review Supervisor to manage loan files and conduct thorough credit analyses. This role involves evaluating the risk profile of borrowers, ensuring compliance with regulations, and preparing detailed credit reports. Ideal candidates should possess a Bachelor's degree in Finance or Business Administration and preferably have up to 2 years of relevant experience. Strong analytical skills and a detail-oriented approach are essential for success in this position.

Qualifications

• Fresh Graduate or up to 2 years of relevant experience.
• Strong understanding of Asset Management, Risk Management, and Credit Analysis is a plus.

Responsibilities

• Manage loan files from commitment to closing while ensuring compliance.
• Conduct thorough analysis of loan applications and borrower creditworthiness.
• Prepare detailed credit review reports with findings and recommendations.

Skills

Knowledge of Anti-Money Laundering regulations

Credit Risk Control

Analytical skills

Problem-solving skills

Ability to work under pressure

Detail-oriented

Education

Bachelor's degree in Finance, Business Administration, or related field

Job description

Credit Review Supervisor

Their primary responsibility is to manage the loan file from the moment a customer commits to a loan through to its closing, ensuring all documentation is accurate, complete, and compliant with company policies and regulatory standards.

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.
• 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.
• Complete quality assurance reviews.
• Prepare and present credit reports.
• Monitor and adhere to collateral compliance covenants.
• Make recommendations about whether to increase, adjust, extend, or close lines of credit.
• Ensure that all loans are made in adherence with federal, state, and local financial regulations.
• Analyze data to verify information and uncover fraud.
• Help to update and improve credit rating criteria.
• Author documents on credit risk and related financial matters.
• Communicate credit decisions and policies to fellow employees and credit applicants.
• Oversee or undertake document preparation.

Requirements

• Educational Qualifications: Bachelors degree in Finance, Business Administration, or related field.
• Fresh Graduate or up to 2 years of relevant experience.
• Strong understanding of Asset Management, Risk Management, and Credit Analysis is a plus.

Skills And Competencies

• Knowledge of Anti-Money Laundering regulations and Credit Risk Control is a plus.
• Detail-oriented with strong analytical and problem-solving skills.
• Ability to work under pressure and meet deadlines effectively.