Credit Analyst

Job Summary

To deliver comprehensive, and risk-based financial analysis that accurately assesses borrower risk profiles to support prudent and well-informed lending decisions.

Responsibilities

Credit Due Diligence

• Assesses 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 Analysis

• Prepares 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.

Qualifications

• Graduate of Bachelor’s degree in Finance, Accountancy, Economics, Business Management, or related field.
• At least 1 year of relevant work experience in credit evaluation, financial analysis, or risk management is an advantage.
• Fresh graduates are welcome to apply.
• Proficient in MS Office applications, particularly Excel and Word.

Must be willing to work on site and be assigned in Ortigas/Makati.

BDO Unibank, Inc. provides equal opportunity to all qualified candidates. Hiring decisions are based on job requirements and candidate qualifications, and shall not be influenced by any consideration of race, color, religion, sex (including sexual orientation and gender identity),  national or ethnic origin, or disability.