Credit Analysis Lead

PJ Lhuillier Group of Companies; Makati; On-site; PHP 335,000 - 614,000; Full time

Job summary

PJ Lhuillier Group of Companies is seeking a Credit Analyst to join our risk team in Makati. You will prepare credit analysis and assign risk ratings on loans to determine client creditworthiness, guiding lending decisions.

Your tasks include evaluating financial information from business profiles, financial statements and credit history; checking payment histories, assets and liabilities; validating borrowers’ ability to repay and ensuring all credit files are complete and BSP compliant.

Qualifications

• Graduate of any four-year course.
• At least 2 years of credit or financial statement analysis experience.
• Knowledge on credit evaluation, bank operations, BSP rules and regulations.
• Willing to work in Makati.

Responsibilities

• Prepare credit analysis and credit risk ratings on loans.
• Evaluate client financial information from profiles, statements and history.
• Check payment history, assets, liabilities and earnings for credit terms.
• Validate current financial condition for loan obligations.
• Reconcile credit files and identify discrepancies; ensure completeness.

Skills

Credit analysis

Financial statement analysis

Bank operations

BSP rules familiarity

Education

Bachelor's degree

Job description

Job Description:

This position is primarily responsible for preparation of credit analysis and credit risk rating on loans to determine the credit worthiness of bank client.

• Evaluate the financial information and credit risk of a client through business profile, financial profile, and credit history.
• Check client's credit payment history, assets, liabilities, and earnings to determine their suitability for credit terms.
• Validate the client's current financial condition if capable to pay their loan obligations.
• Reconciles credit files and identifies discrepancies and variances.
• Ensure all that credit files are complete and has no documentation deficiencies.

Qualifications

• Graduate of any four-year course
• Must have at least (2) two years experience in credit or financial statement analysis of corporate or SME accounts from banks or financial institutions.
• Knowledge on credit evaluation and analysis, bank operations, BSP rules and regulations is required in this position.
• Willing to work in Makati