Credit AnalystID:41863

25,000 PHP ~ 35,000 PHPMakatiOver 3 months ago

Overview

  • 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 advantage

  • English 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 interview

  • Working Hour

    8:30AM ~ 5:30PM

  • Holiday

    -Weekends
    -National holidays

  • Job Function