Credit Analyst

Career Opportunities with Avana Companies

A great place to work. As a people-first organization, AVANA Companies is the sum of our team members. Our team is the heart of our organization, across all our brands. Given everything they bring to the table, our goal is to enrich their lives as much as we enrich the lives of our clients and partners. At the end of the day, our passion is our people, and our purpose is to deliver Capital for a Better Tomorrow.

As a united team, we passionately pursue that purpose – ultimately creating a lasting impression on our own lives and the lives of people around the world. We’re lucky that every day we get to collaborate and work together to accomplish that. It’s one of the many factors that make us a family of companies.

Want to learn more about how you can join our family? View our openings below and be sure to check back often, as our family is constantly growing!

• 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 collateral, and managing risk throughout the loan term, ensuring 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.

• Spread financial information and prepare a prescreen within 48 hours of 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

• Analytical Thinking
• Attention to Detail
• Collaborating with Others
• Decision Making
• Problem Solving

• 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 time frames 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.

• 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 U.S.‑based commercial…