Credit Analyst | Commercial Alternative Lending | Risk Analysis
Bulacan, Malolos, Philippines
Detail-oriented Credit Analyst with 6+ years of combined experience in financial services, underwriting, insurance, and credit risk assessment. Experienced in conducting comprehensive credit analysis by reviewing bank statements, credit reports, revenue trends, and business performance to evaluate creditworthiness and determine appropriate funding offers. Proven ability to identify fraud indicators, assess repayment risk, verify underwriting accuracy, and make data-driven recommendations for approvals, reprices, or declines. Skilled in collaborating with brokers and cross-functional teams to facilitate efficient underwriting and funding decisions while maintaining compliance and data integrity. Tech-savvy professional with proficiency in Microsoft 365, Google Workspace, Power BI, HubSpot, and AI-powered tools such as ChatGPT and Microsoft Copilot to streamline research, analysis, and workflow efficiency.
Greenbox Capital, full_time
Mar 2024 to Present
1. Conduct comprehensive credit analysis by evaluating financial statements, bank statements, revenue trends, and business performance to assess creditworthiness and repayment capacity. 2. Determine funding offers by analyzing each applicant's financial profile and recommending offer amounts that align with business cash flow, revenue stability, and overall risk. 3. Perform in-depth risk assessments through credit report analysis, background checks, and online business verification to identify fraud indicators, operational concerns, and potential default risks. 4. Verify the accuracy of underwriting decisions, financial documentation, and application data, ensuring compliance with company policies and lending guidelines. 5. Present funding offers to brokers, communicate underwriting decisions, negotiate deal structures, and coordinate documentation to facilitate timely credit approvals. 6. Leverage AI-powered tools to enhance financial analysis, research, and underwriting workflows, improving efficiency while maintaining high-quality credit and risk assessments.
Greenbox Capital, full_time
Apr 2020 to Mar 2024
1. Reviewed signed contracts and underwriting documents to ensure accuracy, completeness, and compliance before final approval. 2. Conducted comprehensive underwriting by analyzing credit reports, performing background checks, and assessing overall applicant risk. 3. Verified bank statements, identified potential fraud or alterations, and validated business revenue and cash flow. 4. Ensured application data and initial underwriting processes met company guidelines and quality standards. 5. Conducted merchant interviews and coordinated with brokers to resolve discrepancies, obtain documentation, and communicate underwriting decisions. 6. Recommended reprices, conditional approvals, or declines, approved qualified deals for funding, and collaborated with the Accounting team to facilitate timely funding.
TBS Global Outsourcing, full_time
Jan 2019 to Apr 2020
1. Reviewed loan applications against underwriting guidelines, ensuring documentation completeness and determining applicant eligibility. 2. Analyzed bank statements, business revenue, cash flow, and transaction activity to assess financial capacity and identify qualifying income. 3. Conducted online business verification and web presence research to evaluate legitimacy and identify potential underwriting risks. 4. Made initial underwriting decisions by recommending declines or advancing qualified applications based on risk assessment and lending criteria. 5. Maintained accurate underwriting records, coordinated with brokers to resolve discrepancies and obtain documentation, ensuring efficient application processing.
BPI MS Insurance Corporation, full_time
Jan 2016 to Jun 2018
1. Handled 20+ daily customer interactions, resolving inquiries while ensuring accurate documentation and exceptional customer service. 2. Maintained and updated client records with a high level of accuracy, ensuring data integrity and compliance with company procedures. 3. Assisted clients with insurance premium payments and installment plans, including processing check payments and verifying supporting documentation. 4. Explained insurance policies and loan-related contracts, addressing client inquiries and clarifying terms and conditions. 5. Supported backend operations by verifying required information, maintaining accurate records, and ensuring timely processing of client transactions.