Credit Analyst

Job Description

Position: Credit Analyst

Location: Ortigas Center (TBD)

Hours: Full Time

Years of Experience: At least 5 years or 3 years from Big 4 accounting firm

Education: Degree in Accounting or any related Finance courses

Must be: CPA

Work Timings: 10:00pm to 7:00am PH time [US Central Time shift] / Monday to Friday

Our credit analysis process plays a key role in evaluating borrowers' ability to

repay, valuing the collateral, and managing risk throughout the loan term,

ensuring that our investments are protected. The main job of a credit analyst is

to give well-informed recommendations on loan requests and present each loan

as an investment opportunity to senior management. This is done by creating

clear and accurate reports that show both the strengths and risks of each loan.

As part of the AVANA team, we will provide you training in U.S. real estate

lending and pair you with experienced U.S.-based underwriters to ensure you

have the support needed to succeed.

We will train you to provide great customer service and build strong client

relationships, following AVANA’s core values: Putting People First, Doing the

Right Thing, Taking the Lead, Making an Impact, and recognizing that Excellence

is a journey.

Key Results

Spread financial information and prepare a prescreen within 48 hours or

receipt of Prescreen Checklist items

Achieve a minimum of 4 loans funded each quarter

Produce first draft of CAM for review within 10 business days of loan

entering underwriting

Core Competencies

Analytical Thinking

Attention to Detail

Collaborating with Others

Decision Making

Problem Solving

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 AVANA’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.

Required Education and Qualification

Bachelor’s degree in Finance, Accounting, Economics, Real Estate

Management or any related field with outstanding academic performance

Licensed CPA

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

What We Have to Offer

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

Full-time