job description
Are you a detail-oriented finance professional looking to grow your career with a dynamic, Singapore-based financial firm? Poss Capital Pte Ltd is seeking a highly analytical and motivated Credit Analyst to join our expanding team in Metro Manila.
In this role, you will play a critical part in our lending operations by evaluating business loan applications, conducting thorough risk assessments, and ensuring the health of our credit portfolio. You will work closely with our regional stakeholders, providing data-driven insights that facilitate sound financial decision-making. We are looking for an individual who thrives in a fast-paced environment and possesses a deep understanding of financial statement analysis and credit risk management frameworks.
Poss Capital Pte Ltd offers a collaborative culture where your expertise is valued, and your growth is prioritized. If you have a sharp eye for financial data and a commitment to excellence, we invite you to apply and help us shape the future of our credit operations.
Responsibility
- Analyze financial statements, including balance sheets, income statements, and cash flow reports for loan applicants.
- Conduct comprehensive credit risk assessments for small-to-medium enterprise (SME) loan applications.
- Prepare concise and accurate credit memoranda to support loan recommendations for the credit committee.
- Monitor existing loan portfolios to identify potential credit risks and ensure compliance with repayment schedules.
- Verify the accuracy of financial information provided by clients through rigorous due diligence processes.
- Collaborate with the sales and relationship management teams to streamline the loan approval workflow.
- Stay updated on local and regional financial regulations and market trends that impact credit risk appetite.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- Minimum 1–3 years of experience in credit analysis, underwriting, or banking operations.
- Strong proficiency in financial analysis and ability to interpret complex financial data.
- Excellent verbal and written communication skills in English.
- High level of integrity, attention to detail, and ability to meet tight deadlines.
- Proficiency in Microsoft Office Suite, particularly Excel, is essential.
- Ability to work effectively in a cross-border team environment.