Credit Analyst

This full-time Credit Analyst position at Business Trends Philippines in Quezon City Metro Manila plays a vital role in evaluating and analysing credit applications to support the company's financial services operations. As a key member of the team, you will be responsible for conducting thorough credit assessments, identifying risks, and making recommendations to ensure the company's lending decisions are well-informed and aligned with its strategic objectives.

What you'll be doing

• Analyse credit applications and supporting documentation to assess the creditworthiness of individual and business customers


• Conduct in-depth financial analyses, including reviewing income statements, balance sheets, and cash flow projections


• Evaluate the risks associated with potential credit decisions and make well-reasoned recommendations


• Collaborate with cross-functional teams to gather additional information and support the credit decision-making process


• Stay up-to-date with industry trends, regulations, and best practices in credit analysis


• Contribute to the development and refinement of the company's credit policies and procedures

What we're looking for

• Bachelor's degree in Finance, Accounting, or a related field


• Minimum 2-3 years of experience in a credit analysis or lending role, preferably in the banking or financial services industry


• Strong analytical and problem-solving skills, with the ability to interpret financial data and identify potential risks


• Excellent attention to detail and a thorough understanding of credit assessment methodologies


• Effective communication and interpersonal skills, with the ability to present complex financial information to stakeholders


• Proficient in using financial analysis software and tools


• Knowledge of relevant regulations and compliance requirements in the financial services industry

Must have

• Credit analyst experience able to read and understand financial statements, prepare credit proposals independently

    Must have auto loans experience since our Financial deals with equipment loans.