Deskripsi Pekerjaan
Join Palawan Pawnshop as a Credit Specialist in Bohol and play a pivotal role in our financial operations. As a key member of our credit evaluation team, you'll be responsible for meticulously analyzing loan applications to determine applicant creditworthiness and repayment capacity. Your expertise will ensure our lending decisions align with regulatory requirements while minimizing financial risk. This role offers the opportunity to develop deep financial acumen while contributing to the financial inclusion goals of Central Visayas. You'll collaborate with cross-functional teams to streamline credit processes and maintain accurate documentation. If you're a detail-oriented professional with a passion for financial analysis and customer service, this position provides a clear path for career growth in the pawnshop and microfinance industry.
Tanggung Jawab
- Thoroughly evaluate loan applications to assess creditworthiness and payment capacity
- Analyze financial documents, credit reports, and applicant data for risk assessment
- Verify applicant information and documentation against company policies
- Recommend appropriate loan terms and conditions based on evaluation results
- Maintain accurate records of credit decisions and documentation
- Monitor existing credit portfolios for potential risks or repayment issues
- Collaborate with collections team on delinquent accounts and recovery strategies
- Ensure compliance with lending regulations and internal credit policies
Kualifikasi
- Bachelor's degree in Finance, Accounting, Business Administration, or related field
- Minimum 2 years of experience in credit analysis, lending, or financial evaluation
- Strong knowledge of credit assessment methodologies and risk management principles
- Proficiency in financial analysis tools and credit evaluation software
- Excellent attention to detail and numerical accuracy
- Strong analytical and problem-solving abilities
- Effective communication skills for client interactions and team collaboration
- Familiarity with pawnshop lending regulations and practices