Expert Financial Risk Analyst

6 days ago


Sorsogon, Bicol, Philippines beBeeCommercial Full time ₱1,620,000 - ₱2,160,000
Job Description

Role Overview

This Commercial Credit Analyst position involves assessing the creditworthiness of borrowers and making informed lending decisions. The ideal candidate will have a deep understanding of commercial loans, financial analysis tools, and CRM software.

Key Responsibilities:

  • Analyze financial statements, cash flow projections, credit reports, and other relevant documents to determine creditworthiness.
  • Evaluate risk associated with mortgage loan applications, including assessing financial stability, repayment capacity, and collateral value.
  • Conduct thorough assessments of collateral, including residential and commercial real estate, equipment, or other assets.
  • Examine financial statements of borrower's business, including income statements, balance sheets, and cash flow statements.
  • Consider economic and industry-specific factors that may impact borrower's ability to repay loan.

Requirements:

  • Bachelor's degree in finance, accounting, economics, business administration, or related field.
  • Minimum 3 years' experience in credit analysis or similar role within mortgage or finance industry.
  • Experience in using CRM software, such as Salesforce or similar platforms.
  • Proficient in using financial analysis tools.
  • Strong understanding of commercial loans and various income streams.

What You'll Do:

  • Collaborate with loan officers and underwriters to structure loan terms and conditions.
  • Communicate credit decisions, loan terms, and conditions to borrowers and stakeholders.
  • Recommend risk mitigation strategies to offset credit risk.

Benefits:

  • Competitive salary package and annual performance review.
  • Flexible work setup: Work from Home or Hybrid or on-site.
  • Opportunity to attend events and travel for professional development.
  • Chance to earn your certification in Mortgage Broking and Finance.


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