Senior Credit Analyst

4 weeks ago


Philippines Pasig City MicroSourcing Full time
Responsibilities:
1. Pre-Clean:
. Conducting pre-assessment of loan files before they reach the credit stage.
. Analysing lender policies to find appropriate solutions for applicants.
. Collaborating with stakeholders to workshop applications based on suggested OBI (Objective Borrower Information).
. Managing the ordering of valuation and pricing.
. Demonstrating a deep understanding of PAYG (Pay-As-You-Go) and Self-Employed applicants.
. Ensuring risk management and adherence to regulatory guidelines.
. Utilizing problem-solving skills and in-depth knowledge of lending policies.
. Accurate data entry into Mercury system.
. Preparing a pre-clean for a broker with attention to detail.
. Meeting or exceeding Key Performance Indicators (KPIs) set.

2. Credit:
. Managing the end-to-end valuation, pricing, and loan process.
Demonstrating a comprehensive understanding of PAYG and Self-Employed applicants.
. Ensuring risk management and compliance with responsible lending practices.
. Following and managing compliance procedures to meet regulatory requirements.
. Utilizing problem-solving skills and in-depth knowledge of lending policies.
. Accurate data entry into Mercury system.
. Preparing an application for lodgement to a lender with attention to detail.
. Meeting or exceeding Key Performance Indicators (KPIs) set.

3. Settlement:
. Being highly organized with exceptional attention to detail and prior experience in Financial Services.
. Reviewing loan contracts and supporting documentation for accuracy and completeness to enable settlement.
. Preparing entries for the disbursement of loan funds while ensuring approval conditions are met.
. Ensuring strict compliance with lender policies throughout the settlement process.
. Working under pressure and adhering to tight deadlines, both autonomously and as part of a team.
. Serving as the primary point of contact for lenders, ensuring a premium service experience and resolving issues for smooth settlement.
. Demonstrating strong numerical and time management skills to meet funding deadlines within agreed time frames. . Meeting or exceeding Key Performance Indicators (KPIs) set.
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