SME and Business Loan Underwriter
2 weeks ago
Posted 3 days ago and deadline of application is on 15 Apr
Job Description- Reviews, processes, and recommends with the prescribed turnaround time loan applications applying for any commercial loans of T3 such as but not limited to RPNL, RD, STL, MC Fleet Financing, Accreditation of Employers for Group Salary Loans, etc.
- Analyze financial data related to loan requests.
- Evaluate loan documents to ensure accuracy and completeness.
- Perform risk assessments on potential loan recipients based on credit rating, borrowing history, and other specific risk factors.
- Monitor and report noncompliance with loan covenants.
- Maintain client relationships and provide superior customer service.
- Impartial, objective, and will work with different units across the group of companies to complete the given task. Directly involved in the formulation of new or better procedures governing commercial loan products subject to the approval of management.
- Assist in the generation of new business loan applications for RPNL/RD/STL and GSL accreditation.
- And other tasks that may be assigned from time to time that will support the goals of the organization.
Education and Experience Requirements:
- Bachelor's degree in Business, Finance, Accounting, or a related field
- 3-5 years of underwriting or credit and risk analysis experience
- Experience with underwriting automation tools preferred
- Demonstrated proficiency with Microsoft Office (Excel, Outlook)
- Good communication and presentation skills
- Excellent problem-solving skills
- Applied knowledge of underwriting fundamentals and standard industry practices
- Understanding of basic financial principles and processes
- Knowledge of regulatory requirements
- Ability to maintain confidentiality
- Strong analytical skills and attention to detail
- Excellent communication and negotiation skills
- Ability to multitask and work under pressure to meet strict deadlines
Unicapital, Inc. is a duly licensed, full-service investment house that aims to provide the widest array of efficient finance and investment banking-related product lines. With the support of its two subsidiaries, Unicapital Finance and Investments, Inc. and Unicapital Securities, Inc., it aims to be the leading independent financial services provider by 2015.
The company has a broad range of investment banking services to cater to its clients' needs. Institutions of all sizes from different industries can take advantage of Unicapital's expertise in managing equity capitals.
Unicapital Finance and Investments, Inc. is a duly registered finance company that provides credit to emerging small and medium sized corporations. It also provides salary loans and personal loans to retail clients.
Unicapital Securities, Inc. is a leading full service securities brokerage registered with the Philippines Securities and Exchange Commission and a member of the Philippine Stock Exchange. It was established for the primary purpose of selling and dealing of Philippine equity securities. The company is an active member of the Philippine Association of Securities Brokers and Dealers.
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