Credit Risk & Loan Settlement Analyst

Mondo BPO Solutions (Philippines) Inc.; Makati; Presencial; PHP 360.000 - 600.000; Jornada completa

Descripción de la vacante

Mondo BPO Solutions (Philippines) Inc. is seeking a Credit Analyst in Makati to evaluate borrowers and recommend sustainable credit decisions. You will analyze credit reports, bank statements, and KYC data to assess risk and repayment capacity, supporting responsible lending.

Onsite in Makati, dayshift, you will coordinate with risk, legal, and customer service teams, manage settlements, and provide data-driven insights using Excel and CRM tools to improve credit analysis and outcomes.

Formación

• Education: Minimum Bachelor's degree in related fields.
• Minimum 2 years of experience in Credit Analysis.
• Understanding of financial ratios, like DBR, DSR, DTI, FOIR, etc.
• Proficient in Tagalog (Mandatory) and English.
• Strong problem-solving and decision-making abilities.
• Proficiency in MS Office Suite, (particularly Excel), CRM tools, and financial analysis software.

Responsabilidades

• Analyze credit bureau reports, bank statements, and KYC documents to evaluate applicants' creditworthiness, financial health, and compliance with regulatory standards.
• Conduct in-depth financial analysis and risk assessments for loan applications.
• Evaluate loan applications and make informed credit decisions within the company's risk appetite.
• Identify potential risks and recommend mitigation strategies to minimize defaults.
• Before initiating settlement, assess the borrower's repayment capacity to ensure the total settlement amount is feasible.
• Handle settlements for all current obligations of the borrower.
• Obtain proof of all settlements from the customer to confirm successful loan closures.
• Assist customers in setting up standing order/direct debit for smooth repayment of consolidated loans.
• Work with internal credit risk and legal teams to ensure faster disbursement of the refinanced loan.
• Ensure compliance with regulatory guidelines and company credit policies.
• Guide borrowers through the loan settlement process, explaining terms and obligations.
• Address borrower concerns, resolve disputes, and provide financial counseling where necessary.
• Ensure borrowers understand the impact of settlements on their credit profile.
• Track and analyze performance, default trends and prepare regular reports on settlements outcomes.
• Use Excel and CRM tools to manage and analyze large datasets on risk assessment and loan settlements.
• Provide data-driven insights to improve credit analysis and mediation strategies leading to improved success rates.
• Coordinate with credit risk, customer service and legal teams to optimize risk assessment and mediation strategies.
• Work closely with external lenders and financial institutions to ensure smooth loan closure.
• Communicate settlement terms and progress effectively with all stakeholders.

Conocimientos

Credit analysis

Problem solving

Decision making

English proficiency

Tagalog proficiency

Educación

Bachelor's degree in related fields

Herramientas

MS Excel

CRM tools

Financial analysis software

Descripción del empleo

Mondo BPO Solutions (Philippines) Inc. is seeking a Credit Analyst in Makati to evaluate borrowers and recommend sustainable credit decisions. You will analyze credit reports, bank statements, and KYC data to assess risk and repayment capacity, supporting responsible lending.

Onsite in Makati, dayshift, you will coordinate with risk, legal, and customer service teams, manage settlements, and provide data-driven insights using Excel and CRM tools to improve credit analysis and outcomes.