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
4. 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
Qualifications:
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.
Ability to commute/relocate: Makati - Reliably commute or planning to relocate before starting work (Preferred)
