Credit Analyst

Lumora Capital · makati, metro manila, Philippines

Location
makati
Job Type
Full-time
Posted
June 08, 2026

Job Description

Work Setup: Hybrid (3x Onsite, 2x WFH)

Work Schedule: Monday to Friday, 12:00 PM to 9:00 PM

Credit Analysis and Modeling Support

  • Deal Sighting and Fact Gathering:
  • Compile quick fact packs for initial deal screenings, including sponsor profile, asset details, tenancy, location, comparables, proposed leverage, and exit routes.
  • Run and calculate high-level credit metrics such as Loan-to-Value (LTV) (Day 1 and on exit), Interest Coverage Ratio (ICRt) / Debt Service Coverage Ratio (DSCR), and refinance coverage.
  • Assess the borrowers Net Worth and review Asset Liability Income and Expenditure statements.
  • Initial Financial and Risk Review:
  • Consider the suitability of the real estate asset as security, and the ability to exit or repay the Bridge loan, via sale or refinance.
  • Where relevant, create a real estate cash flow to determine suitability of assets and refinance.
  • Co...

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