Credit Analyst
Finance / Accounting
Mức lương
Khu vực
Tổng quan về công việc và trách nhiệm
- 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. - 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 - 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 - 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 - 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
Kỹ năng và kinh nghiệm tối thiểu
- Education: Minimum Bachelor s degree in related fields. - Minimum 2 years of experience in Credit Analysis. - 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.
Tại sao ứng viên nên làm ở đây
- Budget: 25,000 - 40,000 PHP per month - Base salary and mandatory remuneration package
Ưu tiên có kỹ năng và kinh nghiệm
- Python: Exploratory data analysis, Feature engineering, Basic model building - BI Tools (Power BI / Tableau)
Báo cáo cho
Credit Risk Manager
Quá trình phỏng vấn
HR > Assignment (3-4 days) > Head department interview > CEO
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