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November 28, 2025 | 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!