Credit Analyst

Qualifications:

● Education: Minimum Bachelor's degree in related fi elds.

● 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.

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