Jia
Credit Analyst
NEWPhilippinesFull-timeGlobal
š Midš Hybrid
ActivePosted within the last 30 days
Job Description
[AI-summarized by JobStash]
You will evaluate SME borrower applications end-to-end, analyze P&L, balance sheet and cash flow statements to assess creditworthiness, and deliver clear credit recommendations. You will engage borrowers to uncover the real credit story, work with sales and operations to execute credit processes, partner with credit leadership to refine underwriting, and identify opportunities to improve processes, tools and credit models.
Requirements
- ā2ā5 years experience in credit risk analysis financial analysis or SME lending
- āStrong financial statement analysis skills
- āAbility to work independently in a fast-paced environment
- āExcellent written and spoken English
- āCuriosity problem-solving instincts and an investigative mindset
- āSQL skills (nice to have)
- āPython skills (nice to have)
- āExperience in fintech alternative lending or commercial banking (nice to have)
- āFamiliarity with credit scoring models or statistical analysis (nice to have)
Responsibilities
- āLead end-to-end borrower evaluations and deliver sound credit recommendations
- āAnalyze financial statements (P&L, balance sheet, cash flow) to assess creditworthiness
- āEngage borrowers directly to uncover the real credit story
- āCollaborate with sales and operations to ensure smooth credit processes
- āPartner with global credit leadership to refine underwriting approach
- āIdentify opportunities to improve processes tools and credit models
Tech Stack
statistical analysisP&Lbalance sheetborrower evaluationSME lendingcredit scoringfinancial statementB2B credit compliancePythonSQL