Credit Underwriter

AGnP Corporation; Pasig; Presencial; PHP 350.000 - 550.000; Jornada completa

Descripción de la vacante

AGnP Corporation is seeking a skilled Credit Underwriter based in Kapasigan, Pasig City, Metro Manila. This full-time role focuses on assessing creditworthiness, mitigating risk, and ensuring compliance with lending standards to support sound lending decisions.

The ideal candidate will have a relevant finance degree and at least one year of related underwriting experience, with strong analytical and communication skills guiding accurate credit analyses and timely approvals.

Formación

• Bachelor's degree in Finance, Business Admin, Economics or related field.
• Minimum 1 year of experience in credit underwriting or analysis.
• Strong analytical and financial modelling skills; detail-oriented.

Responsabilidades

• Evaluate credit applications and documentation to assess creditworthiness.
• Analyze financial statements, credit reports, employment history and other relevant information to determine lending risk.
• Prepare detailed credit analysis reports and recommendations for approval, conditional approval or denial of credit applications.
• Verify applicant information and conduct background checks in accordance with policy and regulatory requirements.
• Monitor and manage existing credit portfolios to identify potential risks and recommend corrective actions.
• Ensure underwriting decisions comply with regulatory guidelines, company policies and anti-discrimination laws.
• Collaborate with loan officers, risk management and other departments to support the lending process.
• Maintain accurate records and documentation of all credit decisions and supporting analysis.
• Stay informed of changes in credit policies, market conditions and regulatory requirements.

Conocimientos

Credit underwriting

Financial analysis

Risk assessment

Attention to detail

Educación

Bachelor's degree in Finance/Business/Economics

Herramientas

Microsoft Office

Loan management systems

Descripción del empleo

About the role

We are seeking a skilled and detail-oriented Credit Underwriter to join AGnP Corporation in a full-time capacity. Based in Kapasigan, Pasig City, Metro Manila, this role is instrumental in our credit operations and directly supports our lending decision-making process. As a Credit Underwriter, you will play a vital role in assessing creditworthiness, mitigating risk, and ensuring compliance with lending standards. Your work will have a significant impact on the financial health of our organization and our ability to serve our clients responsibly.

Key responsibilities

• Evaluate credit applications and supporting documentation to assess the creditworthiness of applicants
• Analyze financial statements, credit reports, employment history and other relevant information to determine lending risk
• Prepare detailed credit analysis reports and recommendations for approval, conditional approval or denial of credit applications
• Verify applicant information and conduct background checks in accordance with company policy and regulatory requirements
• Monitor and manage existing credit portfolios to identify potential risks and recommend corrective actions
• Ensure all underwriting decisions comply with regulatory guidelines, company policies and anti-discrimination laws
• Collaborate with loan officers, risk management and other departments to support the lending process
• Maintain accurate records and documentation of all credit decisions and supporting analysis
• Stay informed of changes in credit policies, market conditions and regulatory requirements affecting lending decisions

What we're looking for

• A bachelor's degree in Finance, Business Administration, Economics or a related field, or equivalent professional experience
• Minimum of year of experience in credit underwriting, credit analysis or a related credit role within banking or financial services
• Strong analytical and financial modelling skills with the ability to assess risk effectively
• Proficiency in credit analysis tools, loan management systems and Microsoft Office applications
• Excellent attention to detail with a commitment to accuracy in all documentation and analysis
• Knowledge of credit principles, lending practices and relevant regulatory requirements
• Strong communication skills, both written and verbal, to articulate findings and recommendations clearly
• Ability to work independently and make sound decisions within established guidelines
• Demonstrated organizational skills and the ability to manage multiple applications simultaneously
• Integrity and sound judgment in handling sensitive financial information