CREDIT ANALYST
Indispensable :FinTech
- Monitor and analyze the Company's loan portfolio performance according to product, branch, borrower segment, loan classification, and other applicable risk dimensions.
- Prepare analyses of portfolio-at-risk, delinquency, nonperforming loans (NPL), roll rates, and other credit quality indicators.
- Conduct vintage and cohort analyses to evaluate the repayment performance of loans originated during different periods.
- Analyze loan approval, rejection, and subsequent repayment trends to identify emerging credit risks.
- Assess the credit quality of New and Renewal accounts and identify significant differences in borrower repayment behavior.
- Identify portfolio concentrations, adverse performance trends, and potential risks exposures.
- Recommend appropriate monitoring measures and potential areas for management intervention.
- Provide portfolio performance analyses to support credit policy reviews, product evaluations, and strategic planning.
- Serve as WFCs designated analytical counterpart for the SGV credit scoring project.
- Participate in knowledge transfer activities relating to scoring methodologies, model assumptions, data requirements, and performance evaluation.
- Document credit scoring processes, analytical procedures, data definitions, and monitoring methodologies for internal reference.
- Coordinate with SAFC Risk Analytics in establishing periodic monitoring of credit scoring model performan ce.
- Analyze score distributions, risk segmentation, approval rates, and delinquency behavior across scoring categories.
- Monitor model performance, stability, and emerging indications of deterioration or model drift. Identify data quality issues and inconsistencies affecting credit scoring outputs.
- Prepare model performance reports and recommend areas requiring further technical
- Coordinate proposed model adjustments with SAFC Risk Management and the appropriate approving authorities.
- Analyze the principal factors contributing to changes in the Company's Expected Credit Loss provisions.
- Coordinate with Accounting/Finance and SAFC Risk Management in reviewing ECL inputs, assumptions, methodologies, and analytical results.
- Assist in analyzing Probability Of Default (PD), LOSS Given Default (LCD), Exposure at Default (EAD), and ECL staging movements under the Company's applicable PFRS 9 methodology.
- Prepare comparative ECL movement analyses identifying changes attributable to portfolio composition, credit deterioration, recoveries, and Other relevant factors. 5. 6. 7. 8.
- Assess the financial implications ot ECL movements on profitability, portfolio returns, and business sustainability.
- Identify loan products, borrower segments, or origination vintages that contribute significantly to expected credit losses.
- Support scenario and sensitivity analyses to assess the potential impact Of changes in credit performance.
- Prepare ECL analytical summaries and recommendations for Management consideration.
- Monitor and analyze collections performance, recovery trends, delinquency movements, and cure rates.
- Evaluate the performance Of third-party collection service providers (TPSPs) using established performance indicators. prepare comparative assessments of collection effectiveness, recovery efficiency, and account resolution outcomes, considering differences in assigned portfolios.
- Identify recurring collection issues, recovery bottlenecks, and deterioration patterns.
- Coordinate with the Credit Department and concerned collection personnel in validating analytical findings.
- Recommend opportunities to improve collection monitoring and recovery strategies. prepare periodic collection and recovery analytics reports for Management
- Prepare monthly, quarterly, and special credit risk analytics reports for the Office of the President and other authorized stakeholders.
- Develop and maintain portfolio risk dashboards covering credit quality, scoring performance, delinquency, collections, and ECL trends. present significant analytical findings, emerging risks, and financial implications in a clear and actionable manner.
- Provide analytical support to the Office of the COO, Credit Department, Accounting/finance, and Other departments for operational and strategic decision-making.
- Coordinate with SAFC Risk Management in preparing reports required by relevant Management and Board committees.
- Support the development of automated reporting tools and standardized risk analytics templates.
- Maintain proper documentation, data integrity, and confidentiality Of analytical information.
- Perform other relevant credit risk analytics functions as may be assigned by authorized Management.