Credit Review Associate

3 weeks ago


Bacolod City, Western Visayas, Philippines Cepat Kredit Financing Inc. Full time
  • Protect the company from fraudulent accounts by doing thorough investigations and review of all accounts being processed.

  • Conduct a thorough analysis of loan applications, financial statements, credit reports, and other relevant documentation to assess the creditworthiness of borrowers.

  • Evaluate the risk profile of borrowers by analyzing factors such as income stability, debt-to-income ratio, credit history, collateral, and industry trends.

  • Ensure compliance with internal policies, guidelines, and regulatory requirements while reviewing credit applications.

  • Verify the accuracy and completeness of loan documentation, including legal and financial documentation, and identify any potential discrepancies or red flags.

  • Utilize financial models and tools to assess credit proposals' viability and profitability and determine appropriate loan terms and conditions.

  • Prepare detailed credit review reports summarizing the analysis, findings, and recommendations for credit decisions.

  • Provide timely and accurate responses to inquiries from internal stakeholders and maintain a customer-centric approach in dealing with external customers.

  • Conducts external verification to validate data/information provided/submitted by clients concerning their loan applications.

  • Use or find different methods of validation to verify the information provided/submitted by clients.

  • Other tasks that may be endorsed by the department head.

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