Credit Risk Assessment Specialist

2 days ago

Taguig, National Capital Region, Philippines beBeeFinancialAnalyst Full time ₱4,500,000 - ₱5,400,000
Job Overview

The position of Commercial Credit Analyst is available for professionals with experience in credit analysis and mortgage or finance industry.

This role involves evaluating financial statements, cash flow projections, credit reports, and other relevant documents to assess the risk associated with residential & commercial mortgage loan applications.

Candidates must have strong analytical skills, proficiency in using financial analysis tools, and excellent verbal & written communication to convey credit analysis findings and recommendations to stakeholders.

  • Bachelor's degree in finance, accounting, economics, business administration, or a related field.
  • Minimum of 3 years' experience in credit analysis or a similar role within the mortgage or finance industry.
  • Experience in using MyCRM, Infynity, Mercury Nexus, Flex, Salestrekker, or other CRM Software in the mortgage broking industry.
  • Proficient in using financial analysis tools.
  • Strong understanding of Commercial Loans.
  • Has a strong understanding of various income streams and is confident in income calculations for PAYG, self-employed, and company and trust structures.
  • Knowledgeable in using lenders' servicing calculators to assess clients' borrowing capacities and ensure loan submissions meet the required policies and compliance requirements.
  • Has excellent verbal & written communication to convey credit analysis findings and recommendations to stakeholders.
Key Responsibilities
  • Review and analyze the creditworthiness of residential & commercial borrowers and the associated assets, such as commercial properties or business assets.
  • Assess the risk associated with the residential & commercial mortgage loan application.
  • Conduct thorough assessments of the collateral (residential & commercial real estate, equipment, or other assets) to determine its value and marketability.
  • Analyze the financial statements of the borrower's business, including income statements, balance sheets, and cash flow statements.
  • Understand and evaluate the economic and industry-specific factors that may impact the borrower's ability to repay the loan.
  • Collaborate with loan officers and underwriters to structure loan terms and conditions that align with the borrower's needs while managing credit risk effectively.
  • Ensure that all lending decisions and documentation comply with federal, state, and local regulations governing residential & commercial real estate lending.
  • Communicate credit decisions, loan terms, and conditions to borrowers and other stakeholders.
  • Recommend risk mitigation strategies to offset credit risk.
Benefits and Perks
  • Competitive salary package and annual performance review.
  • Monthly rewards and recognition program.
  • Flexible work setup: Work from Home or Hybrid or on-site.
  • Opportunity to attend events and travel to Australia.
  • Access to knowledge base tools, resource center, and training library.
Requirements
  • Bachelor's degree in finance, accounting, economics, business administration, or a related field.
  • Minimum of 3 years' experience in credit analysis or a similar role within the mortgage or finance industry.
Working Conditions

Full-time employment with competitive benefits.

Flexible work setup: Work from Home or Hybrid or on-site.

Opportunity to attend events and travel to Australia.

Access to knowledge base tools, resource center, and training library.

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