Credit Approver

Qualifications;

• Bachelor’s degree with a year of experience preferred

• Strong communication, negotiation, and presentation skills with the ability to resolve disputes and billing issues.

• Knowledge of debt collection practices, financial regulations, and customer credit policies is a plus.

• Familiarity with legal aspects of collections and debt recovery.

• Proficiency of Microsoft Office and ability to manage high volume accounts independently.

• Amendable to work onsite in Makati City

Core Responsibilities

• Application Review: Evaluating loan/credit applications, gathering borrower info (documents, interviews, site visits).
• Financial Analysis: Analyzing financial statements, ratios, cash flows, and credit scores to assess risk.
• Risk Assessment: Determining the borrower's creditworthiness, market position, and potential for default.
• Recommendation: Preparing detailed reports (like  ERCA ), recommending approval, denial, or setting credit terms (limits, interest).
• Compliance: Ensuring all processes adhere to internal policies and regulatory requirements (e.g., BSA/AML).
• Portfolio Management: Managing assigned accounts, monitoring existing loans, and handling client queries.
• Collaboration: Working closely with lending officers and account managers for smooth loan packaging.