Credit Analyst
On-siteTaguig, Metro Manila, Philippines
Job Summary
Execute end-to-end underwriting for trade receivables financing portfolios, including Distribution Finance and Credit Insured Accounts Receivable. Conduct initial financial analysis, due diligence, projection modeling, and stress testing to support credit approval memos and risk ratings. Monitor assigned portfolios for past dues and stale ratings while ensuring alignment with global credit risk management standards. Draft comprehensive Credit Approval Memo packages and collaborate with stakeholders in Banking, Risk, and Regulatory functions. Support annual and quarterly reviews and new-to-bank transactions within the Institutional Credit Management framework.
Required Qualifications
- 3-6 years of relevant experience
- Bachelor's/University degree or equivalent experience
- Experience in effectively engaging with various functions
- Demonstrates strong ethics and integrity
- Ability to understand the 'big picture' in a complex environment
- Strong verbal & written communication skills
- Active listening skills
- Demonstrated influencing and negotiating ability
- Resolve conflicts amongst various constituencies
- Proficient presentation skills
- Experience in and exposure to global credit risk management standards
- Ability to understand structured trade product
- Ability to assess financial and industry data to conduct credit assessment
- Ability to discuss and address issues associated with the allocation of risk assets and risk capital in partnership with stakeholders and product organizations
Desired Qualifications
- Preferred to have knowledge of receivables financing structures and understanding of concepts related to limited recourse receivables financing
- If you have a strong desire to learn the trade products and develop deep product expertise, we encourage you to apply
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