Credit Risk & Review Analyst

Cepat Kredit Financing Inc; General Santos; On-site; PHP 279,000 - 390,600; Full time

Benefits offered by this job

Performance bonuses

Incentives

Insurance health and wellness programs

Job summary

A financing company in General Santos is seeking an HR Officer to review credit applications and assess financial statements for completeness and accuracy. The candidate must have a Bachelor's degree in a relevant field and 1-2 years of experience in credit analysis. Strong analytical skills and proficiency in MS Office are required. Benefits include performance bonuses and health programs.

Qualifications

• 1–2 years of experience in credit analysis or credit review.
• Knowledge of credit policies and risk management.
• Strong attention to detail in analyzing documents.

Responsibilities

• Review and assess credit applications and financial statements.
• Analyze applicants’ creditworthiness based on financial history.
• Ensure compliance with company credit policies.

Skills

Analytical skills

Problem-solving skills

Communication skills

Proficiency in MS Office

Education

Bachelor's degree in Finance, Accounting, Business Administration

Job description

Key Responsibilities

• Review and assess credit applications, financial statements, and supporting documents for completeness and accuracy.
• Analyze applicants’ creditworthiness based on financial history, income, collateral, and risk factors.
• Ensure compliance with company credit policies, regulatory requirements, and lending procedures.
• Identify potential risks and provide recommendations for approval, revision, or decline of credit applications.
• Coordinate with sales, loans processing, and other departments to resolve discrepancies or obtain additional information.
• Prepare and maintain accurate credit review reports and records.
• Monitor approved accounts for early signs of delinquency or non-compliance with terms.
• Assist in the development and enhancement of credit review procedures and risk assessment tools.
• Support internal and external audits by providing required credit documentation and reports.
• Perform other related tasks as assigned.
  
  

Key Requirements

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
• At least 1–2 years of experience in credit analysis, credit review, or related roles (preferably in banking or financing institutions).
• Strong analytical and problem-solving skills with keen attention to detail.
• Knowledge of credit policies, risk management, and regulatory compliance standards.
• Proficiency in MS Office applications (Excel, Word, PowerPoint).
• Strong written and verbal communication skills.
• Ability to manage multiple applications and meet turnaround times efficiently.
• High level of integrity and confidentiality in handling financial information.