Credit Analyst

Career Opportunities with Avana Companies A great place to work. As a people-first organization, AVANA Companies is the sum of our team members. Our team is the heart of our organization, across all our brands. Given everything they bring to the table, our goal is to enrich their lives as much as we enrich the lives of our clients and partners. At the end of the day, our passion is our people, and our purpose is to deliver Capital for a Better Tomorrow. As a united team, we passionately pursue that purpose – ultimately creating a lasting impression on our own lives and the lives of people around the world. We’re lucky that every day we get to collaborate and work together to accomplish that. It’s one of the many factors that make us afamily of companies . Want to learn more about how you can join our family? View our openings below and be sure to check back often, as our family is constantly growing Position: Credit AnalystLocation: Ortigas Center (TBD)Hours: Full TimeYears of Experience: At least 5 years or 3 years from Big 4 accounting firmEducation: Degree in Accounting or any related Finance coursesMust be: CPAWork Timings: 10:00pm to 7:00am PH time (US Central Time shift) / Monday to FridayOur credit analysis process plays a key role in evaluating borrowers' ability torepay, valuing the collateral, and managing risk throughout the loan term,ensuring that our investments are protected. The main job of a credit analyst isto give well-informed recommendations on loan requests and present each loanas an investment opportunity to senior management. This is done by creatingclear and accurate reports that show both the strengths and risks of each loan.As part of the AVANA team, we will provide you training in U.S. real estatelending and pair you with experienced U.S.-based underwriters to ensure youhave the support needed to succeed.We will train you to provide great customer service and build strong clientrelationships, following AVANA’s core values: Putting People First, Doing theRight Thing, Taking the Lead, Making an Impact, and recognizing that Excellenceis a journey.Key ResultsSpread financial information and prepare a prescreen within 48 hours orreceipt of Prescreen Checklist itemsAchieve a minimum of 4 loans funded each quarterProduce first draft of CAM for review within 10 business days of loanentering underwriting Core CompetenciesAnalytical ThinkingAttention to DetailCollaborating with OthersDecision MakingProblem Solving Duties and Responsibilities (Training will be provided):Analyze loan requests thoroughly, focusing on the financials of applicantsand collateral valuation, ensuring accuracy and reliability.Collaborate with internal teams to ensure each loan is processed withinthe set timeframes in the service level agreement.Communicate proactively with clients and the sales team to gather thenecessary information for making informed credit decisions.Recommend suitable loan structures based on the credit request.Follow AVANA’s credit analysis standards as outlined in the loan policy Prepare and present clear credit analysis memos that accurately assessthe borrower's creditworthiness and collateral value, highlightingstrengths and risksPerform periodic risk assessments and monitoring on assigned loans,ensuring correct risk ratings are assigned, identify early warning signs,and recommend appropriate actions to mitigate risks.Administer construction loans, tracking budgets, schedules, third-partyreports, and ensuring timely funding.Research and analyze industry trends to spot potential risks in themarket.Use U.S.-based resources to assess portfolio risks, including probabilitiesof default and potential losses.Ensure compliance with legal and management standards across allareas.Be open to travel for training purposes.Take on additional tasks as assigned by the Chief Credit Officer orManagement. Required Education and QualificationBachelor’s degree in Finance, Accounting, Economics, Real EstateManagement or any related field with outstanding academic performanceLicensed CPAPreferably with at least 3 years’ experience in a Big 4 accounting firm oras a credit analyst in US-based commercial real estate, preferably with abackground in Hospitality, Senior Care/Assisted Living Facility andRenewable Energy, or 5 years working in finance/accountingQuick learner and strong problem-solving skills.Excellent analytical skills with the ability to interpret complex financial data andidentify key risks.Excellent knowledge of accounting rules (Knowledge of US GAAP and IFRS)Ability to work independently with minimal supervision.Comfortable in a fast-paced, multinational environment, able to managemultiple priorities.Strong attention to detail, with the ability to spot data discrepancies.Availability to work U.S. hours.Ability to coordinate with internal and external stakeholders.Excellent written and spoken English, able to clearly communicatefindings and recommendations.Proficient in Microsoft Excel and Word. Desired Functional and Behavioral Characteristics:Positive and professional attitudeSelf-motivatedTeam oriented, demonstrates a willingness to assist other members of thefirmAccuracy and strong attention to details What We Have to Offer Competitive salary and benefits packageAmple opportunities for growth and self-developmentOpportunities for professional development and advancementCollaborative and inclusive work environment with international exposure #J-18808-Ljbffr