Credit Analyst

4 weeks ago


Mandaluyong City, National Capital Region, Philippines Bank of Commerce (Philippines) Full time

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Direct message the job poster from Bank of Commerce (Philippines)

TA Officer | Jr. Assistant Manager | Subject Matter Expert at Bank of Commerce

I. Job Summary

Primarily responsible for the following:

  • Ensures accuracy and timeliness of data to be encoded in the Loan Origination System (LOS)
  • Performs deduping function to serve as lookout for identical entries already encoded in system to prevent double encoding and processing of same applications.
  • Pre-screening of loan applications received vis-a-vis compliance with the pre-processing requirements
  • Compliance with the minimum credit acceptance criteria/parameters of the product
  • Matching of Borrower/Spouse/Co-maker against the following reports:
    • NFIS/CMAP
    • Mosaic Voyager
    • BDS
    • Related Party Transaction database
    • Watch listed Accounts
  • Ensures that generated credit score is based on correct data encoded
  • Makes decision whether to decline or to continue processing of client's consumer loan or credit card application with the Bank.

II. Duties and Responsibilities

  1. Responsible for encoding of auto, housing and salary applications in Loan Origination System (LOS).
  2. Ensures that all applications have been verified and completed:
  • Pre-screened application as to completeness of pre-processing requirements.
  • Internal Files Checked
Ensures that all received applications are processed within the set Turn-Around Time.Conducts telephone verification as necessary.Rejects applications that did not meet the minimum credit acceptance criteria of the Bank.Ensures that credit decisions are in compliance with processing guidelines, procedures and Bank's credit policies.Consults Section Head or Division Head regarding sensitive work problems/ concerns of unusual occurrences that do not conform to the standard procedures, recommends alternative solutions to resolve the issue.Investigates complaints from various units/departments regarding erroneous date capture, slow processing time and gives feedback to the concerned party. Initiates and recommends actions to correct the discrepancy.Ensures the security of documents and files in his possession.Performs other functions as may be assigned from time to time according to the established productivity and service quality standards.Provides input to upgrade the quality of CCD's work, particularly in relation to turnaround time and approval rates.Seniority level

Entry level

Employment type

Full-time

Job function

Administrative and Analyst

Industries

Banking

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