Business Credit Risk Specialist

1 day ago

Caloocan City, National Capital Region, Philippines beBeeCredit Full time ₱31,000 - ₱49,000
Job Opportunity

This is a key position in finance and sales that involves reviewing and analyzing creditworthiness of borrowers, assessing risk, conducting collateral evaluations, and collaborating with loan officers and underwriters to structure loan terms and conditions.

The role requires evaluating the creditworthiness of borrowers by reviewing financial statements, cash flow projections, credit reports, and other relevant documents. It also involves assessing the risk associated with mortgage loan applications by evaluating the borrower's financial stability, repayment capacity, and the quality and value of underlying collateral.

  • Evaluate the creditworthiness of borrowers by reviewing their financial statements, cash flow projections, and credit reports.
  • Assess the risk associated with mortgage loan applications by evaluating the borrower's financial stability and repayment capacity.
  • Conduct thorough assessments of collateral to determine its value and marketability.

The ideal candidate has a degree in finance, accounting, economics, or business administration, and a minimum of three years' experience in credit analysis or a similar role within the mortgage or finance industry.

Key Responsibilities:
  1. Collaborate with loan officers and underwriters to structure loan terms and conditions that align with borrower needs while managing credit risk effectively.
  2. Ensure lending decisions and documentation comply with federal, state, and local regulations governing residential and commercial real estate lending.
  3. Communicate credit decisions, loan terms, and conditions to borrowers and stakeholders, providing recommendations for improving creditworthiness when necessary.
  4. Recommend risk mitigation strategies to offset credit risk.
  5. Stay informed about commercial real estate market conditions, economic trends, and industry developments to inform credit decisions and risk assessments.
Requirements:
  • Hold a degree in finance, accounting, economics, or business administration.
  • Have at least three years' experience in credit analysis or a similar role within the mortgage or finance industry.
  • Be proficient in using financial analysis tools and CRM software.
  • Have a strong understanding of commercial loans, income streams, and lenders' servicing calculators.
  • Possess excellent verbal and written communication skills.

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