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 Analyst
Location: Ortigas Center (TBD)
Hours: Full Time
Years of Experience: At least 5 years or 3 years from Big 4 accounting firm
Education: Degree in Accounting or any related Finance courses
Must be: CPA
Work Timings: 10:00pm to 7:00am PH time [US Central Time shift] / Monday to Friday

Our credit analysis process plays a key role in evaluating borrowers' ability to
repay, valuing the collateral, and managing risk throughout the loan term,
ensuring that our investments are protected. The main job of a credit analyst is
to give well-informed recommendations on loan requests and present each loan
as an investment opportunity to senior management. This is done by creating
clear 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 estate
lending and pair you with experienced U.S.-based underwriters to ensure you
have the support needed to succeed.
We will train you to provide great customer service and build strong client
relationships, following AVANA's core values: Putting People First, Doing the
Right Thing, Taking the Lead, Making an Impact, and recognizing that Excellence
is a journey.

Key Results
Spread financial information and prepare a prescreen within 48 hours or
receipt of Prescreen Checklist items
Achieve a minimum of 4 loans funded each quarter
Produce first draft of CAM for review within 10 business days of loan
entering underwriting

Core Competencies
Analytical Thinking
Attention to Detail
Collaborating with Others
Decision Making
Problem Solving

Duties and Responsibilities (Training will be provided):
Analyze loan requests thoroughly, focusing on the financials of applicants
and collateral valuation, ensuring accuracy and reliability.
Collaborate with internal teams to ensure each loan is processed within
the set timeframes in the service level agreement.
Communicate proactively with clients and the sales team to gather the
necessary 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 assess
the borrower's creditworthiness and collateral value, highlighting
strengths and risks
Perform 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-party
reports, and ensuring timely funding.
Research and analyze industry trends to spot potential risks in the
market.
Use U.S.-based resources to assess portfolio risks, including probabilities
of default and potential losses.
Ensure compliance with legal and management standards across all
areas.
Be open to travel for training purposes.
Take on additional tasks as assigned by the Chief Credit Officer or
Management.

Required Education and Qualification
Bachelor's degree in Finance, Accounting, Economics, Real Estate
Management or any related field with outstanding academic performance
Licensed CPA
Preferably with at least 3 years' experience in a Big 4 accounting firm or
as a credit analyst in US-based commercial real estate, preferably with a
background in Hospitality, Senior Care/Assisted Living Facility and
Renewable Energy, or 5 years working in finance/accounting
Quick learner and strong problem-solving skills.
Excellent analytical skills with the ability to interpret complex financial data and
identify 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 manage
multiple 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 communicate
findings and recommendations.
Proficient in Microsoft Excel and Word.

Desired Functional and Behavioral Characteristics:
Positive and professional attitude
Self-motivated
Team oriented, demonstrates a willingness to assist other members of the
firm
Accuracy and strong attention to details

What We Have to Offer

Competitive salary and benefits package
Ample opportunities for growth and self-development
Opportunities for professional development and advancement
Collaborative and inclusive work environment with international exposure