Credit AnalystID:41863
25,000 PHP ~ 35,000 PHPMakatiOver 3 months agoOverview
Salary
25,000 PHP ~ 35,000 PHP
Industry
Banking / Financial Services
Job Description
A. Job Summary
The position is responsible for credit underwriting and evaluation; the evaluation of the financial feasibility and viability of borrowing accounts; and the preparation of industry research.
B. Duties and Responsibilities
Credit Review and Evaluation
• Exercise proper judgment and due diligence in the evaluation of borrower/s by utilizing and validating all available information gathered through client submitted documents, plant visits, customer interviews, trade checkings, reference checkings, industry evaluation among others
• Evaluate historical financial performance of borrower/s through submitted Audited Financial Statements
• Evaluate the credit character of the borrower/s through credit and trade checkings gathered from credit investigation agencies such as CMAP, NFIS and Loandex as well as from customers and suppliers of the applicants
• Establish and measure the borrower/s debt service capacity through the preparation of financial projections under valid and conservative assumptions
• Determine the different types of risks associated with borrower/s in order to properly evaluate the Borrower’s Risk Rating (BRR) score, appropriate pricing / line amount / term / security / collateral cover and other conditions
• Perform annual credit evaluation on existing borrower/s financial performance and updates in the operations of the borrower, in order to safeguard the company’s risk position
• Reviews the evaluation reports and credit proposals prepared by the Credit Assistant/Staff
• Assists the Marketing Department in the development and innovation of products and services to be competitive or at par with current industry best practices
Qualifications
Requirement
<MUST>
-Candidates must possess at least a Bachelor’s Degree in Marketing, Finance/ Accounting, Banking or equivalent
-Have at least 2 years in of experience in leasing or banking industry
-Have at least 2 years experience as credit analyst
-Have at least 2 years experience to credit underwriting of corporate accounts
- have a strong command in areas such as Financial Analysis of Corporate Accounts, Financial Spreading, Business Writing Skills, and Research
-PC skill must be professional level.
-Strong Business Writing Skills
-Has excellent interpersonal and negotiation skills
-Must have good academic standing
-Proficient in oral and written communication ( English)
-Applicant must be willing to work in Makati
<PREFER>
-Ability on reading and analyzing financial statements is an advantageEnglish Level
Business
Other Language
English
Additional Information
Benefit
-SSS, philhealth, pagibig
-13 months bonus
-performance bonus
-SLVL/15 days each
the rest to be disclosed during the interviewWorking Hour
8:30AM ~ 5:30PM
Holiday
-Weekends
-National holidaysJob Function