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Credit AnalystID:41863

25,000 PHP ~ 40,000 PHPMakati
  • Job Category

    Marketing/Business Development

  • Industry

    Banking / Financial Services

  • Job Description

    A. Job Summary

    The position is responsible for credit underwriting and evaluation; the evaluation of the financial feasibility and viability of borrowing accounts; and the preparation of industry research.

    B. Duties and Responsibilities

    Credit Review and Evaluation

    • Exercise proper judgment and due diligence in the evaluation of borrower/s by utilizing and validating all available information gathered through client submitted documents, plant visits, customer interviews, trade checkings, reference checkings, industry evaluation among others
    • Evaluate historical financial performance of borrower/s through submitted Audited Financial Statements
    • Evaluate the credit character of the borrower/s through credit and trade checkings gathered from credit investigation agencies such as CMAP, NFIS and Loandex as well as from customers and suppliers of the applicants
    • Establish and measure the borrower/s debt service capacity through the preparation of financial projections under valid and conservative assumptions
    • Determine the different types of risks associated with borrower/s in order to properly evaluate the Borrower’s Risk Rating (BRR) score, appropriate pricing / line amount / term / security / collateral cover and other conditions
    • Perform annual credit evaluation on existing borrower/s financial performance and updates in the operations of the borrower, in order to safeguard the company’s risk position
    • Reviews the evaluation reports and credit proposals prepared by the Credit Assistant/Staff
    • Assists the Marketing Department in the development and innovation of products and services to be competitive or at par with current industry best practices

  • Requirement

    -Have at least 2 years in of experience in leasing industry
    -Have at least 2 years experience as credit analyst
    -PC skill must be professional level.

    • Candidates must possess at least a Bachelor’s Degree in Marketing, Finance/ Accounting, Banking or equivalent
    • Knowledge in the accounting and tax aspects of leasing and finance products is an advantage
    • Ability on reading and analyzing financial statements is an advantage
    • Has excellent interpersonal and negotiation skills
    • Must have good academic standing
    • Proficient in oral and written communication ( English)
    • Applicant must be willing to work in Makati

  • English Level


  • Other Language


  • Working Hour

    8:30AM ~ 5:30PM

  • Holiday

    -National holidays

  • Benefit

    -SSS, philhealth, pagibig
    -13 months bonus
    -performance bonus
    -SLVL/15 days each

    the rest to be disclosed during the interview

This job is closed

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