Loans and Credit Processing Unit Senior Associate

7 hours 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

#J-18808-Ljbffr

  • Senior Credit Risk Specialist

    3 days ago

    Manila, National Capital Region, Philippines beBeeCreditPortfolio Full time ₱800,000 - ₱1,200,000

    Job Title:Credit Portfolio StrategistJob Summary:We are seeking a skilled Credit Portfolio Manager to oversee the effective management of our credit portfolio. The successful candidate will be responsible for implementing strong credit risk management practices, evaluating loan proposals, and ensuring compliance with bank policies.Key...

  • Credit Portfolio Manager

    3 days ago

    Manila, National Capital Region, Philippines Metrobank Full time

    Press Tab to Move to Skip to Content LinkHere at Metrobank, we don't simply hire employees—we hone future leaders. We provide opportunities that enhance your skills and unlock your talents, helping you evolve into a well-rounded individual. We supply you with all the pieces you need to do your best work, unleashing your full potential to help you secure...

  • Credit Risk Strategist

    3 days ago

    Manila, National Capital Region, Philippines beBeePortfolio Full time ₱6,000,000 - ₱8,000,000

    About the RoleAs a seasoned credit professional, we are seeking an exceptional individual to assume the position of Credit Portfolio Manager.This role will involve overseeing the effective management of credit risk and ensuring the quality and timeliness of loan proposals across various business units.Main Responsibilities:Review and evaluate loan proposals...

  • Loan Officer

    2 days ago

    Manila, National Capital Region, Philippines FinStrat Management Full time

    The RoleWe are seeking a strategic, finance-savvy Loan Officer with experience in venture capital, private equity, or structured lending to support our deal team in underwriting, due diligence, loan servicing, and ongoing portfolio management. This role requires a deep understanding of credit structures for investor-backed companies and strong analytical and...

  • Credit Group Job Opportunities

    3 weeks ago

    Manila, National Capital Region, Philippines Metrobank Full time

    Be #InGoodHands with MetrobankHere at Metrobank, we don't simply hire employees-we hone future leaders. We provide opportunities that enhance your skills and unlock your talents, helping you evolve into a well-rounded individual. We supply you with all the pieces you need to do your best work, unleashing your full potential to help you secure your future and...

  • Credit Group Job Opportunities

    3 weeks ago

    Manila, National Capital Region, Philippines Metropolitan Bank & Trust Company Full time

    Be #InGoodHands with MetrobankHere at Metrobank, we don't simply hire employees—we hone future leaders. We provide opportunities that enhance your skills and unlock your talents, helping you evolve into a well-rounded individual. We supply you with all the pieces you need to do your best work, unleashing your full potential to help you secure your future...

  • Loan Processor

    7 hours ago

    Manila, National Capital Region, Philippines Direct To Business (D2B) Full time

    Job SummaryAn established Australian mortgage brokerage is looking for a highly capable Mortgage Broker Assistant who can support both loan processing and credit assessment functions. If you're proactive, detail-oriented, and experienced in the Australian mortgage space, this could be the perfect long-term opportunity.Work setup: Remote | Full-Time |...

  • Senior Loan Evaluator

    4 days ago

    Manila, National Capital Region, Philippines beBeeCredit Full time ₱450,000 - ₱850,000

    Credit Officer Job SummaryThe Credit Officer plays a pivotal role in the organization by evaluating home loan/mortgage applications and ensuring accuracy of data. This critical position requires expertise in credit evaluation and decision-making.

  • Credit Card Sales Representative

    3 hours ago

    Manila, National Capital Region, Philippines beBeeMarketing Full time ₱150,000 - ₱250,000

    As a Telemarketing Officer, you will play a key role in generating applications for credit cards and billings for installment programs.The position is primarily responsible for ensuring the quality of all applications, preparation of reports on all applications received, and call list tracking reports.ResponsibilitiesConduct outbound activities to clients...

  • Credit Analyst

    4 weeks ago

    Manila, National Capital Region, Philippines Unistar Credit and Finance Corporation Full time

    The Compliance Associate is responsible for conducting all necessary government compliance submissions by coordinating with the concerned personnel, internal departments or government agencies.Expected Start Date: 09/18/2023Duties and ResponsibilitiesSupports the Regulatory Compliance Department with respect to ALL BIR compliance requirements of the...