AVANA Companies · 2 weeks ago
Credit Analyst
Manila, UT
Full-time
Onsite
Senior Level
5+ years expAVANA Companies is seeking a Credit Analyst to evaluate borrowers' ability to repay loans and manage associated risks. The role involves providing well-informed recommendations on loan requests and preparing accurate reports to present to senior management, ensuring compliance with credit analysis standards.
Financial Services
Responsibilities
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 timeframes 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
Qualification
Required
Bachelor's degree in Finance, Accounting, Economics, Real Estate Management or any related field with outstanding academic performance
Licensed CPA
At least 5 years or 3 years from Big 4 accounting firm
Quick learner and strong problem-solving skills
Excellent analytical skills with the ability to interpret complex financial data and identify key risks
Excellent knowledge of accounting rules (Knowledge of US GAAP and IFRS)
Ability to work independently with minimal supervision
Comfortable in a fast-paced, multinational environment, able to manage multiple priorities
Strong attention to detail, with the ability to spot data discrepancies
Availability to work U.S. hours
Ability to coordinate with internal and external stakeholders
Excellent written and spoken English, able to clearly communicate findings and recommendations
Proficient in Microsoft Excel and Word
Preferred
Preferably with at least 3 years' experience in a Big 4 accounting firm or as a credit analyst in US-based commercial real estate, preferably with a background in Hospitality, Senior Care/Assisted Living Facility and Renewable Energy, or 5 years working in finance/accounting
Benefits
Competitive salary and benefits package
Ample opportunities for growth and self-development
Opportunities for professional development and advancement
Collaborative and inclusive work environment with international exposure
Company
AVANA Companies
AVANA Companies is a small and medium-sized American businesses in niche industrie.
11-50 employees
Funding
Current Stage
Early StageLeadership Team
Sundip Patel
Co-Founder and Chief Executive Officer
Sanat Patel
Co-Founder & Chief Lending Officer
Recent News
Alternative Credit Investor
2025-08-29
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