Credit Analyst
San Antonio, Pasig City, National Capital Region
Posted 3 days ago
- Company:
- JK Capital Finance, Inc.
- Company Description:
- JK Capital is serving as a business funding company in the Philippines that is serving the financial needs of small businesses in the Philippines. The financing company was established in 2014 to provide flexible short term, unsecured loans to companies primarily in the wholesale, retail, service and construction industries. By providing swift financial solutions, we aim to help them actualize their goals and ambitions. We believe there is a vast underserved market of business owners who do not have any access to sustainable and reliable financing. When they do have access, owners face lengthy and trivial loan applications and harsh underwriting practices that turn away many capable small businesses. We’re here to help.
- Contract Type:
- Full Time
- Experience Required:
- No Experience
- Education Level:
- Bachelor’s Degree
- Gender:
- Female
- Number of vacancies:
- 1
Job Description
• Examining financial transactions and credit history case by case.
• Completing ratio, trend and cash flows analyses and creating projections
• Deliver a multidimensional perspective on the investment outlook in an accessible and informative manner.
• Determine in depth the degree of risk involved
• Carefully analyze data and produce clear and objective reports .
• Routinely monitor loans for compliance.
• Adhere to credit policy and guidelines.
• Monitor corporate portfolio asset quality on an ongoing basis.
• Draft models of credit information that predict trends and patterns
• Review loan requests.
• Helps customers by answering questions; responding to requests.
• Assess clients’ financial status
• Utilize professional judgment to determine which potential borrowers represent good risk opportunities for the organization.
• Evaluate creditworthiness and risks.
• Contact clients to gather financial data and documentation.
• Analyze risks and approve or reject loan requests.
• Calculate financial ratios (e.g. credit scores and interest rates).
• Set up payment plans.
• Maintain updated records of loan applications.
• Maintains customer confidence by keeping loan information confidential.
• Follow up with clients about loan renewals.
• Monitor progress of existing loans.
• Prepare reports as may be required.