Credit Analyst

BDO Unibank; Hinoba-an; On-site; PHP 350,000 - 600,000; Full time

Job summary

BDO Unibank, Inc. is the Philippines’ leading full-service bank and a trusted industry leader. This role focuses on delivering comprehensive, risk-based financial analysis to support prudent lending decisions and borrower risk assessment.

You will validate historical statements, perform projections, and participate in client discussions with the relationship manager. Fresh graduates are welcome, with onsite assignments in Ortigas/Makati/Binondo and proficiency in MS Office.

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 onsite and be assigned in Ortigas/Makati/Binondo.

Responsibilities

• 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 to evaluate repayment capacity.
• Conducts site visits and engages in client discussions with the relationship manager for new clients.
• Prepares financial spreadsheets and analyses, including ratio assessment and benchmarking against peers.

Skills

MS Office

Excel

Word

Credit evaluation

Financial analysis

Education

Bachelor's degree in Finance, Accounting, Economics, or related field

Job description

About BDO

BDO 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 Summary

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

Key Responsibilities

• 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 onsite and be assigned in Ortigas/Makati/Binondo

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