The Credit Risk Analyst is responsible for evaluating the creditworthiness of corporate and commercial borrowers, assessing financial risks, and providing recommendations to support sound lending decisions. The role involves analyzing financial statements, evaluating repayment capacity, conducting credit due diligence, and ensuring compliance with established credit policies and risk management standards.
Key responsibilities
- Analyze credit applications and financial statements to assess borrowers' creditworthiness, financial stability, and repayment capacity.
- Evaluate credit risk factors, including industry trends, market conditions, business operations, and borrowers' financial performance.
- Assess cash flows, financial ratios, debt capacity, and overall credit exposure to determine appropriate credit limits and lending terms.
- Prepare detailed credit analysis reports and recommendations for the approval or denial of credit facilities.
- Conduct thorough due diligence on borrowers, including background checks, collateral valuation, and verification of financial information.
- Monitor existing credit accounts and identify early warning signs of potential defaults or deteriorating financial conditions.
- Recommend appropriate risk mitigation measures based on credit assessments and identified risk factors.
- Maintain accurate credit documentation and ensure compliance with internal lending policies, credit guidelines, and applicable regulatory requirements.
- Liaise with internal departments, borrowers, and external stakeholders to gather necessary information and clarify credit-related matters.
- Support the development and implementation of credit policies, procedures, and risk mitigation strategies.
- Keep abreast of changes in credit market conditions, lending practices, industry developments, and regulatory updates.
About you
- Bachelor's degree in Finance, Accountancy, Economics, Business Administration, or a related field.
- At least 3–5 years of relevant experience in credit analysis, credit risk assessment, corporate lending, or financial analysis.
- CPA is an advantage
- Experience in evaluating corporate loans, commercial accounts, or business credit facilities is highly preferred.
- Strong knowledge of financial statement analysis, cash flow assessment, financial ratios, and credit risk evaluation.
- Familiarity with credit investigation, due diligence, and lending policies.
- Proficient in Microsoft Excel and other financial analysis tools.
- Excellent analytical, problem-solving, and report-writing skills.
- High attention to detail, sound judgment, and the ability to make objective, risk-based recommendations.
- Strong communication and coordination skills.
- Background in corporate banking, commercial lending, or financial institutions preferred.
Pay: Php40,000.00 - Php45,000.00 per month
Benefits:
- Company events
- Life insurance
Work Location: In person
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