Loans and Credit Processing Unit Senior Associate

3 weeks ago

Manila, National Capital Region, Philippines UTrade by Unicapital Securities, Inc. Full time
Overview

Join to apply for the Loans and Credit Processing Unit Senior Associate role at UTrade by Unicapital Securities, Inc.

Responsibilities
  • Loan Application Review and Documentation: Review and validate documentary requirements for loan applications endorsed by Team 1 (UI) and Team 3 (UFII), ensuring completeness and compliance with internal standards.
  • Financial and Credit Analysis: Prepare financial spreadsheets and evaluate the applicant's financial performance based on submitted documents; assess creditworthiness by analyzing financial health, cash flow capacity, business viability, and related party risks.
  • Credit Evaluation and Recommendation: Process credit evaluation requests and prepare well-supported recommendations on loan structure, credit terms, and limits; develop comprehensive credit analysis reports, including financial projections (if necessary), and borrower's risk rating using standard internal template.
  • Portfolio Management and Monitoring: Monitor approved credit lines, track expiry and utilization, and recommend adjustments to credit limits based on updated analysis.
  • Coordination and Collaboration: Work closely with the Credit and Collection Unit to facilitate appraisals and credit investigations; participate in client calls and meetings with Account Officers to gather insights for business and credit evaluation.
  • Other Duties: Perform other tasks and special assignments as may be required to support the department's objectives and the organization's strategic goals.
Minimum QualificationsEducational Background
  • Bachelor's degree in Finance, Accounting, Economics, Business or a related field.
Experience
  • Proven experience (1-3 years) as a Credit Analyst, Financial Analyst, or in a related role; experience with financial modeling, forecasting, and credit analysis is highly desired.
Technical Skills
  • Proficiency in Microsoft Excel, Microsoft PowerPoint, Microsoft Word
  • Strong understanding of financial statements and accounting principles.
Analytical Skills
  • Ability to analyze financial data and draw meaningful conclusions
  • Exceptional attention to detail and the ability to spot trends and anomalies in financial statements
  • Ability to assess risk and make sound recommendations based on financial data
Communication Skills
  • Excellent written and verbal communication skills to prepare reports and present findings to senior management
Problem-Solving
  • Strong problem-solving skills to identify credit risks and propose solutions to mitigate them
Time Management
  • Ability to prioritize tasks effectively and manage multiple deadlines in a fast-paced environment
  • Strong organizational skills
Job Details
  • Seniority level: Entry level
  • Employment type: Full-time
  • Job function: Finance and Sales

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