Senior Credit Analyst

6 months ago

Ho Chi Minh City, Vietnam Funding Societies Full time

**Description**:
**Funding Societies | Modalku** is the largest SME digital financing platform in Southeast Asia. We are licensed in Singapore, Indonesia, Thailand, and registered in Malaysia. We are backed by Sequoia India and Softbank Ventures Asia Corp amongst many others and provides business financing to small and medium-sized enterprises (SMEs), which is crowdfunded by individual and institutional investors.

And here at Funding Societies | Modalku we live by our core values:

- **Serve with Obsession**:Build win-win relationships for the long-term by having a customer obsession.
- **Grow Relentlessly**: Strive to become our best, most authentic selves.
- **Enable Teamwork, Disable Politics**:Only by forging togetherness, we help each other succeed.
- **Test Measure Act**: Stay curious and reinvent ourselves, through innovation and experimentation.
- **Focus on Impact**:Create impact through bias for action and tangible results.

Funding Societies Vietnam is looking for a mid-level to Senior Credit Analyst to perform analytical tasks and evaluate risk presented by small and medium sized enterprises. Analysts will review bank statements, financial statements history, credit reports, assets, invoices, purchase contracts, etc. Additional responsibilities include entering data into the client’s loan operating system, utilizing an automated underwriting system to determine approval, performing KYC checks, and clearing conditions for final approval.

What you will do:

- Analyze the level of risk for lending, request additional information and conduct site visits as necessary
- Prepare underwriting reports and submit to Credit Committee for approval
- Communicate with loan officers and managers to maintain a case-by-case follow-up for potential clients
- Re-assess risk when policies come up for renewal
- Resolve pre
- and post-closing issues as they relate to underwriting
- Other tasks assigned by line manager

**Requirements**:
What you will need:

- Completed Bachelor and/or Master’s degree within Business, Finance, Accounting or related fields
- A minimum of 3 years’ experience in finance, accounting, and credit analysis
- Overall knowledge of commercial business and regulations that specifically affect SME credits
- Proficient with Microsoft Office, specifically Excel
- Strong English skills, Problem-solving and Analytical skills
- Ability to work in a multicultural team, and outside of business hours when necessary
- Capability to do complex vintage analysis using statistical packages
- Understand IFRS 9 ECL provisioning
- Ability to be able to draft coherent policies in English
- Experienced in training staff on fraud detection

**Benefits**:

- Time off - We would love you to take time off to rest and rejuvenate. We offer flexible paid vacations as well as many other observed holidays by country. We also like to have our people take a day off for special days like birthdays and work anniversaries.
- Flexible Working - We believe in giving back the control of work & life to our people. We trust our people and love to provide the space to accommodate each and everyone's working style and personal life.
- Medical Benefits - We offer health insurance coverage for our employees and dependents. Our people focus on our mission knowing we have their back for their loved ones too.
- Mental Health and Wellness - We understand that our team productivity is directly linked to our mental and physical health. Hence we have Wellness Wednesdays and we engage partners to provide well-being coaching. And we have our Great FSMK Workout sessions too to keep everyone healthy and fit
- Learning & Development - We believe learning should never end and we support everyone with self-learning L&D allowances.
- Tech Support - We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity

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