Senior Credit Risk Analyst
4 days ago
Credit Risk Analysis is a crucial aspect of our financial services at Cepat Kredit Financing Inc. We're dedicated to providing fast and reliable support to OFWs and seafarers who work hard to support their families.
As a Credit Investigator, you'll play a vital role in protecting the company from fraudulent accounts by conducting thorough investigations and reviews of all accounts being processed.
Duties and Responsibilities- Conduct in-depth analysis of loan applications, financial statements, credit reports, and other relevant documentation to assess the creditworthiness of borrowers.
- Evaluate the risk profile of borrowers by analyzing factors such as income stability, debt-to-income ratio, credit history, collateral, and industry trends.
- Ensure compliance with internal policies, guidelines, and regulatory requirements while reviewing credit applications.
- Verify the accuracy and completeness of loan documentation, including legal and financial documentation, and identify any potential discrepancies or red flags.
- Utilize financial models and tools to assess credit proposals' viability and profitability and determine appropriate loan terms and conditions.
- Prepare detailed credit review reports summarizing the analysis, findings, and recommendations for credit decisions.
- Provide timely and accurate responses to inquiries from internal stakeholders and maintain a customer-centric approach in dealing with external customers.
- Conduct external verification to validate data/information provided/submitted by clients concerning their loan applications.
- Bachelor's degree in a related field
- 0-6 months related experience. Fresh graduates are welcome to apply.
- Excellent communication and interpersonal skills
- Strong organizational and administrative skills
- Ability to multitask and work under pressure
- Proficient in MS applications and willing to learn other systems used by the company
- High organizational skills
- Willingness to work flexible hours, including weekends and holidays, as needed
We offer comprehensive training for two weeks in Ortigas, Pasig City, covering hotel, food, and travel expenses. If you're eager to start your career in credit risk analysis, please consider this opportunity.
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