Credit Analyst

BDO Unibank; Makati; On-site; PHP 240,000 - 480,000; Full time

Job summary

BDO Unibank is hiring a Credit Analyst to conduct risk-based financial analysis and support prudent lending decisions. The role involves evaluating borrower financial statements, performing projections, and validating data to ensure sound credit risk management.

The ideal candidate has a finance-related bachelor’s degree, 1 year of relevant experience (fresh graduates welcome), and proficiency in MS Office. Onsite work locations include Ortigas, Makati, and Binondo.

Qualifications

• Bachelor’s degree in Finance, Accountancy, Economics, or related field.
• 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 analyzes historical financial statements for accuracy and performance trends.
• Identifies assumptions and performs financial projections to evaluate repayment capacity.
• Performs sound reconstruction of financial statements with clear basis and assumptions.
• Conducts site visits and engages with the relationship manager for new clients.
• Prepares financial spreadsheets and detailed analyses, including ratio assessment.
• Benchmarks company performance against peers and historical norms.
• Identifies key financial risks and possible mitigating factors.

Skills

Credit analysis

Financial modeling

Risk assessment

Excel

Communication

Education

Bachelor’s degree in Finance, Accountancy, Economics, Business Management

Tools

MS Office

Excel

Job description

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

Credit Due Diligence

• Assesses financial soundness and repayment capacity of borrowing clients.
• Validates and analyzes 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