Credit Analyst

Work Timings: 10:00 pm to 7:00 am PH time [US Central Time shift] / Monday to Thursday onsite + Work from home on Friday

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 company’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.

• Bachelor’s degree in Finance, Accounting, Economics, Real Estate Management or any related field with outstanding academic performance
• Preferably with at least 3 years’ experience in a Big 4 accounting firm or as a credit analyst in US-based commercial real estate, preferably with a background in Hospitality, Senior Care/Assisted Living Facility and Renewable Energy, or 5 years working in finance/accounting
• Quick learner and strong problem-solving skills.
• Excellent analytical skills with the ability to interpret complex financial data and identify key risks.
• Excellent knowledge of accounting rules (Knowledge of US GAAP and IFRS)
• Ability to work independently with minimal supervision.
• Comfortable in a fast-paced, multinational environment, able to manage multiple priorities.
• Strong attention to detail, with the ability to spot data discrepancies.
• Availability to work U.S. hours.
• Ability to coordinate with internal and external stakeholders.
• Excellent written and spoken English, able to clearly communicate findings and recommendations.
• Proficient in Microsoft Excel and Word.

Desired Functional and Behavioral Characteristics:

• Positive and professional attitude
• Self-motivated
• Team oriented, demonstrates a willingness to assist other members of the firm
• Accuracy and strong attention to details

• Competitive salary and benefits package
• Ample opportunities for growth and self-development
• Opportunities for professional development and advancement
• Collaborative and inclusive work environment with international exposure