Credit Underwriter

Nezda Technologies, Inc.; Makati; On-site; PHP 500,000 - 900,000; Full time

Job summary

Nezda Technologies, Inc. in Makati is seeking a Credit Analyst to assess applicants' creditworthiness, review financial documents, and support informed loan decisions. The role emphasizes rigorous risk evaluation and regulatory compliance within a dynamic financial services context.

You will perform credit risk assessments, analyze settlements, and collaborate with cross-functional teams to ensure timely and compliant loan closures. Strong analytical skills and CRM proficiency are preferred.

Qualifications

• Bachelor's degree in related fields required.
• Minimum 2 years of experience in Credit Analysis.
• Strong problem-solving and decision-making abilities.
• Proficiency in MS Office Suite, CRM tools, and financial analysis software.

Responsibilities

• Credit Assessment & Risk Management: Analyze credit reports, bank statements, and KYC documents to evaluate applicants' creditworthiness 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.

Skills

Credit analysis

Education

Bachelor's degree

Tools

MS Office Suite

CRM tools

Financial analysis software

Job description

Qualifications:

• Minimum Bachelor's degree in related fields.
• Minimum 2 years of experience in Credit Analysis.
• Strong problem-solving and decision-making abilities.
• Proficiency in MS Office Suite, CRM tools, and financialanalysis software

Key Responsibilities:

1. Credit Assessment & Risk Management
   • 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.
2. Loan Settlement
   • 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
3. Customer Assistance & Support:
   • 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
4. Data Analysis and Reporting:
   • 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
5. Cross-Functional Collaboration:
   • 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