Junior Analyst

JOB SUMMARY

He/She will support lending decisions and credit risk management by providing forward-looking sector insights. His/Her focus is on analyzing industries and identifying how evolving sector conditions impact the creditworthiness of companies operating within them.

RESPONSIBILITIES

1. Industry Research

• Produce industry assessments (IS), risk maps and thematic outlooks
• Analyze structural drivers, business cycles, cost dynamics, competitive environment, and policy/regulatory changes
• Identify sector risk transmission channels to borrowers (earnings stress, supply-chain risk, capex cycles, liquidity pressures, etc.)
• Track pricing, demand/supply trends, and macro-industry linkages

2. Data/Reference Maintenance

• Develop and regularly update a centralized reference for industry classification, industry benchmarks, and relevant performance metrics datasets.
• Standardize and periodically review analytical frameworks/models/procedures/templates for industry analysis
• Monitor crucial developments affecting industries (regulatory, market, and macroeconomic)

3. Portfolio Exposure & Early-Warning Monitoring

• Support setting and periodic review of industry risk appetite/exposure guidelines
• Identify and flag industries with declining fundamentals/elevated credit risks
• Monitor the bank’s exposure by industry/sub-industry
• Maintain industry risk scorecards, heat maps, and Early Warning System indicators
• Participate in discussions on industries with rising credit stress signals

4. Internal Coordination and Other Responsibilities

• Respond to queries relating to industry context and risks
• Present findings as needed to stakeholders
• Perform other related duties that may be assigned from time to time

QUALIFICATIONS

• Bachelor’s degree relevant to the job; strong preference for economics and business-related courses
• At least two years-experience in industry research, equity research, or economic/sector analysis
• Strong understanding of industry structure, earnings and cost drivers, supply-chain and competitive dynamics, regulation, and macro linkages that influence credit risk and borrower performance.

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.                                                                                                                       Requisition ID: 24178