Financial Services Professional

Business Opportunity

Career advancement can be achieved with AVANA Companies.

We are a team-based organization where every member contributes to our success. Our primary goal is to support and enrich the lives of our team members, as well as those of our clients and partners. We aim to deliver high-quality services that benefit everyone involved. Our team's passion and purpose drive us to create lasting impressions on people around the world.

We have openings for talented individuals who want to join our dynamic team. Please check our available positions below and feel free to contact us if you're interested in learning more.

Job Title: Credit Analyst
Location: Ortigas Center (TBD)
Hours: Full Time
Years of Experience: At least 5 years or 3 years from Big 4 accounting firm
Education: Degree in Accounting or any related Finance courses
Must be: CPA
Work Timings: 10:00pm to 7:00am PH time [US Central Time shift] / Monday to Friday

As a credit analyst, your main responsibility will be to provide informed recommendations on loan requests. You'll present each loan as an investment opportunity to senior management by creating clear and accurate reports highlighting both strengths and risks. This involves evaluating borrowers' ability to repay, valuing collateral, and managing risk throughout the loan term.

We will provide training in U.S. real estate lending and pair you with experienced underwriters to ensure your success. You'll learn to provide excellent customer service and build strong client relationships, adhering to our core values: Putting People First, Doing the Right Thing, Taking the Lead, Making an Impact, and recognizing that Excellence is a journey.

Key Results:

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• Spread financial information and prepare a prescreen within 48 hours or receipt of Prescreen Checklist items\
• Achieve a minimum of 4 loans funded each quarter\
• Produce first draft of CAM for review within 10 business days of loan entering underwriting\
• Analytical Thinking\
• Attention to Detail\
• Collaborating with Others\
• Decision Making\
• Problem Solving

Duties and Responsibilities:

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• Analyze loan requests thoroughly, focusing on the financials of applicants and collateral valuation, ensuring accuracy and reliability.\
• Communicate proactively with clients and the sales team to gather necessary information for making informed credit decisions.\
• Recommend suitable loan structures based on the credit request.\
• Follow our credit analysis standards as outlined in the loan policy.\
• Prepare and present clear credit analysis memos that accurately assess the borrower's creditworthiness and collateral value, highlighting strengths and risks.\
• Perform periodic risk assessments and monitoring on assigned loans, ensuring correct risk ratings are assigned, identify early warning signs, and recommend appropriate actions to mitigate risks.\
• Administer construction loans, tracking budgets, schedules, third-party reports, and ensuring timely funding.\
• Research and analyze industry trends to spot potential risks in the market.\
• Use U.S.-based resources to assess portfolio risks, including probabilities of default and potential losses.\
• Ensure compliance with legal and management standards across all areas.\
• Be open to travel for training purposes.\
• Take on additional tasks as assigned by the Chief Credit Officer or Management.

Required Education and Qualification:

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• Bachelor's degree in Finance, Accounting, Economics, Real Estate Management or any related field with outstanding academic performance\
• Licensed CPA\
• Preferably with at least 3 years' experience in a Big 4 accounting firm or as a credit analyst in US-based commercial real estate, preferably with a background in Hospitality, Senior Care/Assisted Living Facility and Renewable Energy, or 5 years working in finance/accounting\
• Quick learner and strong problem-solving skills\
• Excellent analytical skills with the ability to interpret complex financial data and identify key risks\
• Excellent knowledge of accounting rules (Knowledge of US GAAP and IFRS)\
• Ability to work independently with minimal supervision\
• Comfortable in a fast-paced, multinational environment, able to manage multiple priorities\
• Strong attention to detail, with the ability to spot data discrepancies\
• Availability to work U.S. hours\
• Ability to coordinate with internal and external stakeholders\
• Excellent written and spoken English, able to clearly communicate findings and recommendations\
• Proficient in Microsoft Excel and Word

Desired Functional and Behavioral Characteristics:

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• Positive and professional attitude\
• Self-motivated\
• Team oriented, demonstrates a willingness to assist other members of the firm\
• Accuracy and strong attention to details

What We Offer:

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• Competitive salary and benefits package\
• Ample opportunities for growth and self-development\
• Opportunities for professional development and advancement\
• Collaborative and inclusive work environment with international exposure