Credit Analyst

About BDOBDO Unibank, Inc. is the Philippines’ leading full-service bank, offering a wide range of financial and digital banking services. Guided by our brand promise “We Find Ways,” we are committed to delivering easy, reliable, and customer-focused services. Build your career with a trusted industry leader. Job SummaryTo deliver comprehensive, and risk-based financial analysis that accurately assesses borrower risk profiles to support prudent and well-informed lending decisions.Key ResponsibilitiesCredit Due DiligenceAssesses financial soundness and repayment capacity of borrowing clients.Validates and analyses historical financial statements for accuracy and performance trends.Identifies appropriate assumptions and performs financial projections primarily to evaluate repayment capacity.Performs sound reconstruction of financial statements with clear basis and assumptions.Conducts site visits and engages in client discussions with the relationship manager for new clients.Financial and Risk AnalysisPrepares financial spreadsheets and detailed analyses, including ratio assessment.Benchmarks company performance against industry peers and historical norms.Identifies key financial risks and possible mitigating factors.QualificationsGraduate of Bachelor’s degree in Finance, Accountancy, Economics, Business Management, or related fieldAt least 1 year of relevant work experience in credit evaluation, financial analysis, or risk management is an advantageFresh graduates are welcome to applyProficient in MS Office applications, particularly Excel and WordMust be willing to work onsite and be assigned in Cebu.