Senior Credit Analyst (sme Lending/ Banking)

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 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:

• Collect, review, and verify loan applications, supporting documentation, and vendor reports to identify signs of fraudulent activities
• 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
• Offer recommendations on eligibility decisions and approve/reject applications
• 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