Credit Analyst (Scrubber+ Underwriter/Pricing Analyst)

November 28, 2025 | Construction Jobs  |  Comments Off on Credit Analyst (Scrubber+ Underwriter/Pricing Analyst)

Empowering Smarter Funding Decisions in the Alternative Lending Landscape

Our client, Atium Capital, is an innovative player in the alternative lending space, dedicated to helping small businesses access fast, flexible capital. By combining deep credit expertise with advanced analytics, our client supports funders through precise underwriting, financial modeling, and risk assessment. With a mission rooted in accuracy, transparency, and responsible funding, they partner with organizations that rely on dependable credit decisions and ethical lending practices.

Job Description:

As a Credit Analyst, you will review bank statements, assess financial health, detect risk patterns, and structure fundable offers through full scrub-to-underwriting analysis. You will validate cash flow, identify red flags, run deal models, and support investment decisions with accuracy, speed, and sound judgment.

Job Overview:

Employment type: Full-time
Shift: Night shift, Monday to Friday (9:00 AM-6:00 PM EST / 10:00 PM-7:00 AM Manila), Weekends Off
Work setup: Permanent WFH

Exciting Perks Await!

  • Day 1 HMO coverage with free dependent
  • Competitive Salary Package
  • Night differential pay to maximize your earnings
  • Permanent WFH arrangement
  • Fixed weekends off
  • Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
  • Unlimited upskilling through Emapta Academy courses (Want to know more? Visit https://bit.ly/EmaptaTrainingCalendar)
  • Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer
  • Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more!)
  • Unlimited employee referral incentives
  • Standard government and Emapta benefits
  • Total of 20 annual leaves (including 5 convertible to cash)
  • Fun engagement activities for employees
  • Mentorship and exposure to global leaders and teams
  • Career growth opportunities
  • Diverse and supportive work environment
  • The Qualifications We Seek:

    Must-Have:

  • Ideally with 2 to 3 years of experience in the same role
  • Exceptional attention to detail and accuracy in financial analysis
  • Strong Excel skills (filters, formulas, pivoting preferred)
  • Deep understanding of MCA cash flows, risk patterns, and underwriting standards
  • Ability to detect anomalies, fraud patterns, and inconsistencies
  • Structured communication and clear financial summarization
  • Strong judgment aligned with funder risk appetite
  • Comfort in fast-paced, high-volume work environments
  • Ideal Background:

  • 2-4 years in credit analysis, underwriting, or financial services
  • MCA/alternative lending experience strongly preferred
  • Banking or fintech experience
  • Experience in risk assessment and fraud detection
  • Familiarity with small business financials and cash flow analysis
  • Your Daily Tasks:

    Bank Statement Scrubbing & Data Extraction

  • Review several months of business bank statements, including MTD when required
  • Identify and extract core metrics:
  • Monthly revenue
  • Average Daily Balance (ADB)
  • Number and size of deposits
  • NSFs, Negative Days, overdraft frequency
  • Large or irregular debits/credits
  • Seasonality and cash flow patterns
  • Profitability
  • Flag high-risk indicators (ACH returns, overdrafts, inconsistent sales)
  • Verify statement completeness, legibility, correct time periods, and account ownership
  • Check for document tampering or mismatched information
  • Check for duplicate statements
  • Data Entry, File Preparation & Compliance Checks

  • Enter extracted data into internal scrub sheets and Excel model
  • Rename and organize files following internal or funder naming conventions
  • Confirm business registration, EIN consistency, and other KYC elements
  • Screen merchants against blacklist databases (internal risk DB, DataMerch, etc.)
  • Prepare scrub summaries for underwriting review
  • Underwriting & Risk Assessment

  • Conduct full risk evaluation: NSFs, ADB trends, deposits, seasonality, credit checks, business stability
  • Use files and tools provided to validate risk factors
  • Provide analysis based on financial strength and risk
  • Identify duplicate submissions, stacking activity, or potential fraud
  • Decline files that fail minimum risk thresholds
  • Deal Assessment

  • Use proprietary Excel models to determine if the company should invest
  • Ensure payment-to-revenue leverage remains within ratios (?30-35% of monthly revenue)
  • Account for seasonality, performance, and cash flow tolerance
  • Provide analysis to the investment committee for underwriting decisions
  • Communication & Cross-Team Collaboration

  • Work with team members to finalize investment decisions
  • Provide clear summaries to the Investment Committee
  • Notify IC of missing documents, inconsistencies, or needed resubmissions
  • Daily Tasks:

  • Scrub and underwrite up to 15 merchant files per day
  • Extract and input financial data into CRM and scrub models
  • Prepare and document underwriting decisions and offers
  • Flag high-risk behaviors and decline non-viable deals
  • Collaborate with IC for follow-ups or clarifications
  • Maintain organized, compliant document filing
  • Weekly Tasks:

  • Audit 5-10 scrubbed/underwritten files
  • Update calculators or scrub templates
  • Attend underwriting syncs
  • Produce weekly summary reports
  • Recommend SOP improvements
  • Tools Used:

  • Excel (scrub models, pricing)
  • Atium AI platform
  • PDF editors (Adobe, Foxit, ILovePDF, Sejda)
  • SharePoint
  • Underwriting scorecards, macros, internal calculators
  • Welcome to Emapta Philippines!

    Join a team that values camaraderie, excellence, and growth. Recognized as one of the Top 20 Dream Companies of Filipinos in 2024, Emapta stands proudly alongside industry giants, offering stability and exciting career opportunities. Your career flourishes here with competitive compensation, international clients, and a work culture focused on collaboration and innovation. Work with global clients across industries, supported by a stable foundation and like-minded professionals passionate about making an impact. We empower your success with opportunities for personal and professional development in an inclusive environment. Apply now and be part of the #EmaptaEra!

    Chartered Quantity Surveyor / Cost Manager

    November 27, 2025 | Construction Jobs  |  Comments Off on Chartered Quantity Surveyor / Cost Manager

    THE ROLE

    My client, an established firm of PQS now seeks a SENIOR CHARTERED QUANTITY SURVEYOR to join them in QATAR.

    This role is for a 3 months period due to unexpected emergency leave.

    You will work doing mainly Post Contract duties and based in the Client's PMO.

    Duties will include handling construction procurement, payments, contract administration working on multiple work packages.

    This role requires someone quickly available.

    THE COMPANY

    My client is a firm of PQS with a good range of clients in the private sector and public sectors.

    They are a firm of construction consultants offering clients both cost management and project management services.

    They have an established office in Qatar.

    THE CANDIDATE

    You will be a Chartered Quantity Surveyor who is MRICS qualified.

    You need a BSc in Quantity Surveying or Commercial Management.

    You need to have good post contract Quantity Surveying experience, some pre contract experience useful.

    You should be more or less immediately available and willing to work over the Christmas and New Year period as required and be available for an urgent start.

    You should be happy to work in Client's offices.

    You should have around 10 to 20 years experience, ideally with much of it working for a firm of PQS.

    You must have excellent English both written and spoken along with good IT skills and have good client facing skills.

    Salary is very negotiable plus hotel, flights, transportation.

    Please email a full c.v. or give me, Denise Neville a call for an informal and confidential discussion on +44 20 7613 5555 or +44 20 8368 0025 or mobile +44 7836 350309.

    Chartered Quantity Surveyor / Cost Manager

    November 27, 2025 | Construction Jobs  |  Comments Off on Chartered Quantity Surveyor / Cost Manager

    THE ROLE

    My client, an established firm of PQS now seeks a SENIOR CHARTERED QUANTITY SURVEYOR to join them in QATAR.

    This role is for a 3 months period due to unexpected emergency leave.

    You will work doing mainly Post Contract duties and based in the Client's PMO.

    Duties will include handling construction procurement, payments, contract administration working on multiple work packages.

    This role requires someone quickly available.

    THE COMPANY

    My client is a firm of PQS with a good range of clients in the private sector and public sectors.

    They are a firm of construction consultants offering clients both cost management and project management services.

    They have an established office in Qatar.

    THE CANDIDATE

    You will be a Chartered Quantity Surveyor who is MRICS qualified.

    You need a BSc in Quantity Surveying or Commercial Management.

    You need to have good post contract Quantity Surveying experience, some pre contract experience useful.

    You should be more or less immediately available and willing to work over the Christmas and New Year period as required and be available for an urgent start.

    You should be happy to work in Client's offices.

    You should have around 10 to 20 years experience, ideally with much of it working for a firm of PQS.

    You must have excellent English both written and spoken along with good IT skills and have good client facing skills.

    Salary is very negotiable plus hotel, flights, transportation.

    Please email a full c.v. or give me, Denise Neville a call for an informal and confidential discussion on +44 20 7613 5555 or +44 20 8368 0025 or mobile +44 7836 350309.

    Site Selection Manager

    November 27, 2025 | Construction Jobs  |  Comments Off on Site Selection Manager

    Site Selection Manager

    • United States
    • $135,000 - $235,000
    • Equity Options
    • Opportunity to join a high-growth AI startup at the cutting edge of data center innovation.

    Are you an experienced Site Selection Manager with a passion for delivering large-scale, mission-critical facilities? This is your opportunity to join one of the fastest-growing AI infrastructure startups in the U.S. - a company designing and building cutting-edge data centers that power the next generation of artificial intelligence.

    Backed by nine-figure revenue and rapid expansion plans, they are developing massive GPU data centers with liquid cooling technology to support the world's leading AI labs. With an extremely competitive package, remote flexibility, and genuine long-term progression, this is the perfect role for someone ready to take their construction management career to the next level.

    Key Responsibilities

    • Conduct site due diligence to evaluate powered land and development sites, including:
    • Evaluate robustness of both utility and behind-the-meter power solutions at 200MW+ scale.
    • Assess the buildability of land parcels by reviewing title docs, land surveys, geotechnical reports, environmental studies etc.
    • Understand permitting requirements at each site and the implications for our construction schedule
    • Maintain relationships with brokers, landowners and developers to ensure we never miss a valid site
    • Conduct vendor due diligence, including on-site audits with specialist engineers.
    • Work directly with our DC Design team to ensure sites continue to meet our most up-to-date technical requirements
    • Own capacity planning and forecasting across all clients and regions to ensure capacity availability for new and unforeseen projects.
    • Collaborate with Finance to evaluate multi-year infrastructure investments and cost structures.
    • Lead commercial negotiations with landowners/developers for land acquisitions/leases.

    Background Required

    • 5+ years of real-estate experience with a focus on data centers or other industrial projects.
    • Strong ability to assess the viability of land opportunities for data center development.
    • Customer-centric mindset with a strong sense of ownership and a proactive approach to problem-solving.
    • Exceptional communication and interpersonal skills; able to align stakeholders across diverse teams and functions.
    • Proven track record of closing large/complex real-estate deals.
    • Travel 20%+ as needed for projects.

    INDUS

    Site Selection Manager

    November 27, 2025 | Construction Jobs  |  Comments Off on Site Selection Manager

    Site Selection Manager

    • United States
    • $135,000 - $235,000
    • Equity Options
    • Opportunity to join a high-growth AI startup at the cutting edge of data center innovation.

    Are you an experienced Site Selection Manager with a passion for delivering large-scale, mission-critical facilities? This is your opportunity to join one of the fastest-growing AI infrastructure startups in the U.S. - a company designing and building cutting-edge data centers that power the next generation of artificial intelligence.

    Backed by nine-figure revenue and rapid expansion plans, they are developing massive GPU data centers with liquid cooling technology to support the world's leading AI labs. With an extremely competitive package, remote flexibility, and genuine long-term progression, this is the perfect role for someone ready to take their construction management career to the next level.

    Key Responsibilities

    • Conduct site due diligence to evaluate powered land and development sites, including:
    • Evaluate robustness of both utility and behind-the-meter power solutions at 200MW+ scale.
    • Assess the buildability of land parcels by reviewing title docs, land surveys, geotechnical reports, environmental studies etc.
    • Understand permitting requirements at each site and the implications for our construction schedule
    • Maintain relationships with brokers, landowners and developers to ensure we never miss a valid site
    • Conduct vendor due diligence, including on-site audits with specialist engineers.
    • Work directly with our DC Design team to ensure sites continue to meet our most up-to-date technical requirements
    • Own capacity planning and forecasting across all clients and regions to ensure capacity availability for new and unforeseen projects.
    • Collaborate with Finance to evaluate multi-year infrastructure investments and cost structures.
    • Lead commercial negotiations with landowners/developers for land acquisitions/leases.

    Background Required

    • 5+ years of real-estate experience with a focus on data centers or other industrial projects.
    • Strong ability to assess the viability of land opportunities for data center development.
    • Customer-centric mindset with a strong sense of ownership and a proactive approach to problem-solving.
    • Exceptional communication and interpersonal skills; able to align stakeholders across diverse teams and functions.
    • Proven track record of closing large/complex real-estate deals.
    • Travel 20%+ as needed for projects.

    INDUS

    Safety Critical Rail Staff

    November 27, 2025 | Construction Jobs  |  Comments Off on Safety Critical Rail Staff

    Safety Critical Rail Staff - Long-term, Full-time Work (Colchester Area) McGinley Support Services are preparing for a major long-term rail programme across the Southern Region commencing in the new year, and we are now looking to connect with experienced Safety Critical Staff in the Colchester area who are seeking consistent work throughout 2026 and beyond.

    Roles Required: Engineering Supervisor (ES)

    Controller of Site Safety (COSS)

    Protection Officer (PO)

    Level Crossing Attendant (LXA)

    Crane Controller (CC)

    Machine Controller (MC)

    ALO Coordinator

    Strapping Teams

    Location: Colchester and surrounding areas

    Details: Shifts: Mid-week and weekend availability

    Contract Type: Ongoing, long-term work

    Requirements: ? Valid PTS and relevant competency(s) ? Minimum 6 months experience in rail safety critical duties ? White Hat status preferred ? Own transport is advantageous due to site access

    Why Register Now? ? Secure your place ahead of a major 2026 framework ? Expected full-time, ongoing work once live ? Competitive rates of pay upon project mobilisation

    As an equal opportunities employer McGinley Support Services (Infrastructure) Ltd is committed to the equal treatment of all current and prospective applicants. We actively seek applications from all sectors of the community and particularly encourage applications from women, those with a disability (that is permissible to a safety-critical environment) and ethnically diverse or ethnic minority candidates, as these groups are underrepresented throughout the construction industry.

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