TemplateSection 1 : Identifying Information
Position Title : Junior Analyst
Job code : Grade :
Grade : JG6N
Date Prepared : Reports to :
Reports to : Maria Fe Ledesma
Prepared by : Department :
Credit NA Credit Development Team
Business line :
Positions reporting to this position
Target team size : Country / City :
Country / City : Manila, Philippines
Section 2 : Position SummaryThis role is responsible for review and approval of financial information and documentation for 3rd party lease transactions Which many include spreading of Financial documents and assisting the Credit Analyst to have the customers identity checked and credit worthiness assessed and approved.
prior to commencement of trading. Credit assessment on new and existing customers must take into account the willingness and ability of the customer to settle their business commitment now and in the future.
Section 3 : Responsibilities, Supporting Actions & End-ResultsMajor Responsibility : Responsible to manage the financial review and approval of 3rd party lease transactions.
This includes reviewing financial information, account information as well as 3rd party financial reports Understand the structure of the lease deal and confirm with the reseller the timing of lease funding for the opportunity Responsible for spreading financials obtained from the reseller in the Moody’s / Web Equity to generate a financial report that is necessary for the analyst to complete the review.
Extract financial spreads in Moody’s Equity Lending cloud system to generate report. Handles unassigned accounts in US and Canada for credit line increase Support lease transactions
Assist the Senior Credit Analyst in handling their portfolio accounts with credit limits of $50K and above. Ensure that each analyst’s portfolios are kept updated and that all accounts are sent compliance letters for credit review.
This includes checking the Analyst database (Account Management Platform) to get the accounts that will be due for credit review, checking for the financial contact in Impulse and ImageNow and determining what financials are to be obtained to the reseller.
Ensure that all credit files obtained are to be uploaded in ImageNow for future reference.End Results : The team was able to provide full support to the Credit Analyst team onshore.
Timely review of the accounts Provide good customer servicePercentage : Major Responsibility 9080%Supporting Action1020%Major Responsibility : Supporting Actions : .
End Results : Percentage : Major Responsibility : Supporting Actions : End Results : ...Percentage : Major Responsibility : Supporting Actions : End Results : Percentage : Section 4 : DecisionMaking Authority LevelGuidelines : Describe the authority held by the position by listing the main decisions that the position is free to make and explain the decisions that depend on the position’s advice.
Decisions free to make : Approving / declining of 3rd party lease transactions credit line increase Interpretation of financial documents for spreadingExplain the decisions that depend on position’s advice : Risk analysisExample decisions that depend on position’s advice : Analysis of account based on payment history, purchasing pattern and credit event.
Section 5 : Scope / DimensionsGuidelines : List the main quantitative measures that define the size and scope of the position (headcount, budget, profit dollar target).
Analysis of unassigned accounts for US and Canada -100% transition in ManilaAll 3rd party lease transactions