Credit Analyst - 3+Yrs - US Shifts

Position: 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 (CPA preferred)
Work Timings: 10:00 pm to 7:00 am PH time [US Central Time shift] / Monday to Thursday + Work from home on Friday
Exciting and competitive salary

Duties and Responsibilities (Training will be provided):
• Analyze loan requests thoroughly, focusing on the financials of applicants and collateral valuation, ensuring accuracy and reliability.
• Collaborate with internal teams to ensure each loan is processed within the set timeframes in the service level agreement.
• Communicate proactively with clients and the sales team to gather the necessary information for making informed credit decisions.
• Recommend suitable loan structures based on the credit request.
• Follow organization’s 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.