Commercial Credit Expert

1 week ago

Hagonoy, Central Luzon, Philippines beBeeCredit Full time ₱32,000 - ₱40,000
Key Responsibilities

As a Commercial Credit Analyst, you will be responsible for reviewing and analyzing the creditworthiness of residential and commercial borrowers. This includes evaluating financial statements, cash flow projections, credit reports, and other relevant documents to assess the borrower's financial stability, repayment capacity, and the quality and value of the underlying collateral.

  • Review and analyze financial statements, including income statements, balance sheets, and cash flow statements, to determine the borrower's ability to repay loans.
  • Conduct thorough assessments of the collateral, including residential and commercial real estate, equipment, or other assets, to determine its value and marketability.
  • Assess the risk associated with loan applications, including evaluating the borrower's credit history, income, and employment status.
  • Collaborate with loan officers and underwriters to structure loan terms and conditions that align with the borrower's needs while managing credit risk effectively.
Required Skills and Qualifications

To succeed in this role, you will need:

  • A 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.
  • Proficient in using financial analysis tools, such as Excel, and CRM software.
  • Strong understanding of commercial loans, including knowledge of various income streams and confidence in income calculations.
  • Excellent verbal and written communication skills to convey credit analysis findings and recommendations to stakeholders.
Benefits

This role offers a competitive salary package and annual performance review, monthly rewards and recognition program, flexible work setup, and access to training and development opportunities.

  • Flexible work setup: Work from Home or Hybrid or on-site.
  • Competitive salary package and annual performance review, monthly rewards and recognition program.
  • Opportunity to attend events and travel to Australia.
  • Access to knowledge base tools, resource center and training library.
Work Environment

You will be working in a fast-paced and dynamic environment with a team of experienced professionals. The company values work-life balance and offers a range of benefits to support your well-being.

  • WFH engagements: Remote learning and employee development activities, wellness sessions and health talks, virtual team games and contests.
  • Regular company-wide events, engagement activities, and a culture that values work-life balance.
  • Employee-wellbeing office facilities (gym, wellness room, childcare facility, entertainment room, world-class training rooms).
Seniority Level and Employment Type

This is a mid-senior level position, and the employment type is full-time.

  • Mid-Senior level
  • Full-time

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