Senior Credit Analyst (Onsite, G.Y.)

MVP Asia Pacific Inc. is a leading outsourcing company located in the Clark Freeport Zone, Pampanga, Philippines. We were founded with the mission to connect highly skilled offshore professionals with businesses of all sizes across the globe—helping our clients scale with speed and excellence.

At MVP, we foster a culture of professionalism, innovation, and collaboration. Our people enjoy a supportive, growth-driven environment with opportunities for continuous learning, career development and work-life balance.

If you're driven, passionate about learning, and ready to make an impact, we'd love for you to join our growing team of MVPs!

Senior Credit Analyst (Onsite, G.Y.)

Job Description:

• Work directly with Underwriters, Relationship Managers and Borrowers to manage the receipt of tickler items and calculate covenants to access the quality of Bank loans.
• Input financial information into Bank's financial spreading and tickler tracking software.
• Coordinate monthly tickler/covenant report and customer letters.
• Assess the completeness of underwriting packages from Processing and Relationship Managers.
• Accurately spread personal and business financials with minimal supervision.
• Underwrite ACH application requests.
• Conduct Annual Term Loan Reviews for Bank's real estate secured loan portfolio:
• Order site inspections, prepare ATLR's, complete spreading (property specific and global cash flow).
• Review loan submissions for compliance with Summit State Bank loan underwriting standards.
• Work closely with all parties to assist in timely processing, credit approval, and closing of new loan requests.
• Perform and document risk assessment on loan requests; verify accuracy of information provided.
• Manage quality control within the underwriting team.
• Work closely with Loan Ops Department to ensure procedures are followed in the closing and funding of the loans.
• Under supervision underwrite less complex loan requests and prepare credit authorizations with detailed credit analysis.
• Provide training to Junior Credit Analyst(s).
• Accept and complete any assignments for the department or the Bank deemed necessary.

Bank Secrecy Act (BSA) and Compliance:

• Comply with all requirements, policies, and procedures of the Bank Secrecy Act (BSA) and complete all mandatory BSA training, as needed.
• Report to the BSA Officer any money laundering, fraud, and other suspicious activity.
• Comply with all requirements, policies and procedures outlined in the Bank's BSA/AML Compliance Program.
• Accurately gather and/or verify information in accordance with the Bank's Customer Identification Program, as required.
• Complete all required compliance and regulatory training, not limited to BSA, as needed.

Qualifications:

Education / Experience:

• Bachelor's degree in Accounting, Finance, or any related field.
• Minimum of two to five years of experience and or training; or equivalent combination of education and experience.

Technical Skills:

• Knowledge of accounting practices and finance.
• Familiarity with basic real estate terms and markets.
• Demonstrates ability to apply concepts of financial statement analysis; knowledge of National and Local economics as they impact the community and affect business relationships.

Math Ability:

• Proficiency in basic math; ability to calculate financial figures pertaining to operational efficiencies, leverage, liquidity ratios and peer analysis.
• Ability to calculate and interpret all manner of interest calculations; basic statistical analysis.

Language Ability:

• Ability to read, analyze, and interpret documents such as loan files, credit policy and underwriting manuals.
• Ability to effectively communicate, both verbally and in writing, both routine and complex issues including routine reports, credit analysis, proposals, and business correspondence.
• Ability to effectively present information to customers, managers, and employees.

Reasoning Ability:

• Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
• Ability to understand, research and resolve problems involving several concrete variables in standardized situations.

Computer Skills:

• Proficient in Microsoft Word and Excel.
• Working knowledge of spread program, Cash Suite.