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Why Join Us?Are you looking for a role that provides opportunities to develop and grow? Take the next step in your career journey with us! We’ll provide you with a professional support structure and benefits to ensure you can thrive.We offer Premium HMO, awesome technology, and above-market remuneration. Our high performers are frequently invited to visit their colleagues internationally for professional development. We’re always searching for great talent to join our team.ResponsibilitiesA Mortgage Commercial & Asset Credit Analyst is highly responsible assessing the creditworthiness of commercial borrowers seeking mortgage loans or financing for commercial real estate and other assets.Their role is essential in helping financial institutions manage risk and make informed lending decisions in the commercial real estate sector. Review and analyze the creditworthiness of commercial borrowers and the associated assets, such as commercial properties or business assets. This involves evaluating financial statements, cash flow projections, credit reports, and other relevant documents. Assesses the risk associated with the commercial mortgage loan application. This includes analyzing the borrower's financial stability, repayment capacity, and the quality and value of the underlying collateral. Conduct thorough assessments of the collateral (commercial real estate, equipment, or other assets) to determine its value and marketability. This may involve property appraisals, site visits, and environmental assessments. Analyze the financial statements of the borrower's business, including income statements, balance sheets, and cash flow statements. The analyst assesses the business's ability to generate sufficient cash flow to cover debt service. Understand and evaluate the economic and industry-specific factors that may impact the borrower's ability to repay the loan. This includes assessing market trends and competitive dynamics. Collaborate with loan officers and underwriters to structure loan terms and conditions that align with the borrower's needs while managing credit risk effectively. Ensure that all lending decisions and documentation comply with federal, state, and local regulations governing commercial real estate lending. Communicate credit decisions, loan terms, and conditions to borrowers and other stakeholders. Analysts may also provide recommendations for improving creditworthiness when necessary. Recommend risk mitigation strategies, such as requiring personal guarantees, adjusting interest rates, or modifying loan covenants, to offset credit risk. Stayed informed about commercial real estate market conditions, economic trends, and industry developments to inform credit decisions and risk assessments. Keeping up-to-date with changes in commercial lending regulations, credit analysis techniques, and best practices in the field. Requirements Bachelor's Degree: Many employers prefer candidates with a bachelor's degree in finance, accounting, economics, business administration, or a related field. Prior experience in the AU broking/banking/mortgage industry and exposure to consumer credit is preferred. Has s strong analytical skills been essential for assessing financial statements, credit risk, and asset valuations. Need to be proficient in financial modeling, cash flow analysis, and financial statement interpretation. Deep understanding of commercial real estate markets, industry trends, and economic factors that impact credit risk. Excellent verbal & written communication to be able to convey credit analysis findings and recommendations to stakeholders. Has the ability to meticulously review financial documents and assess credit risk factors. Needs to be familiarity with lending regulations and compliance requirements. Benefits Work from Home. Working Hours (Monday to Friday 6:00 AM to 3:00 PM) PH Time Equipment Provided HMO process on Day 1 Paid Time-Off Quarterly Sick-Leave conversion Paid Government Mandated Benefits (SSS, PHIC, Pag-IBIG) Can join ASAP.
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