Credit Analyst

Strategic Staffing Solutions; Makati; Hybrid; PHP 500,000 - 900,000; Full time

Benefits offered by this job

Hybrid work setup

HMO coverage

Leave credits

Job summary

Strategic Staffing Solutions is seeking an experienced Credit Analyst in Makati to support effective customer credit risk management. You will evaluate creditworthiness, monitor exposure, and ensure compliance with credit policies.

The ideal candidate has 5+ years in Finance and Credit Risk, with strong financial analysis and SAP/Excel proficiency, plus excellent English communication and stakeholder skills.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics or related field.
• At least 5 years of experience in Finance and Credit Risk Management.
• Proven experience in credit assessment and customer credit portfolio management.
• Strong knowledge of financial analysis, credit risk, and exposure management.
• Proficiency in SAP and Microsoft Office applications, particularly Excel.
• Strong analytical, problem-solving, and decision-making skills.
• Excellent written and verbal English communication skills.
• Strong stakeholder management and relationship-building abilities.
• Highly organized with excellent attention to detail and accuracy.
• Ability to balance commercial objectives with effective risk management in a fast-paced environment.

Responsibilities

• Assess customer creditworthiness, credit limits, and exposure.
• Prepare credit evaluations, recommendations, and approval documentation.
• Manage collateral, guarantees, and other credit support arrangements.
• Monitor customer payments, overdue balances, and credit exposure.
• Review contracts and identify potential credit and financial risks.
• Conduct periodic credit reviews and portfolio risk assessments.
• Review and approve credit-blocked orders within delegated authority.
• Support provisioning, bad debt evaluations, write-offs, refunds, and account maintenance.
• Prepare credit risk reports, KPIs, portfolio summaries, and exposure analyses.
• Identify opportunities to improve credit processes, controls, and reporting.
• Ensure compliance with corporate credit policies and governance requirements.
• Partner with internal stakeholders to support business growth while maintaining prudent credit risk management.

Skills

Finance & credit risk management

Credit assessment

Customer credit portfolio management

Financial analysis

English communication

Stakeholder management

Attention to detail

Decision making

Education

Bachelor's degree in Finance/Accounting/Business Administration/Economics

Tools

SAP

Excel

Job description

We are looking for an experienced Credit Analyst to join our team and support effective customer credit risk management. The role will be responsible for evaluating customer creditworthiness, monitoring credit exposure, managing credit support arrangements, and ensuring compliance with established credit policies and governance standards.

The ideal candidate will have strong experience in Finance and Credit Risk Management, with the ability to analyze financial information, make sound credit recommendations, and work closely with customers, finance teams, and business stakeholders.

Key Responsibilities

• Assess customer creditworthiness, credit limits, and exposure.
• Prepare credit evaluations, recommendations, and approval documentation.
• Manage collateral, guarantees, and other credit support arrangements.
• Monitor customer payments, overdue balances, and credit exposure.
• Review contracts and identify potential credit and financial risks.
• Conduct periodic credit reviews and portfolio risk assessments.
• Review and approve credit-blocked orders within delegated authority.
• Support provisioning, bad debt evaluations, write-offs, refunds, and account maintenance.
• Prepare credit risk reports, KPIs, portfolio summaries, and exposure analyses.
• Identify opportunities to improve credit processes, controls, and reporting.
• Ensure compliance with corporate credit policies and governance requirements.
• Partner with internal stakeholders to support business growth while maintaining prudent credit risk management.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field.
• At least 5 years of experience in Finance and Credit Risk Management.
• Proven experience in credit assessment and customer credit portfolio management.
• Strong knowledge of financial analysis, credit risk, and exposure management.
• Proficiency in SAP and Microsoft Office applications, particularly Excel.
• Strong analytical, problem-solving, and decision-making skills.
• Excellent written and verbal English communication skills.
• Strong stakeholder management and relationship-building abilities.
• Highly organized with excellent attention to detail and accuracy.
• Ability to balance commercial objectives with effective risk management in a fast-paced environment.

Why Join Strategic Staffing Solutions (S3)?

• Competitive Salary Package
• Hybrid Work Setup: Ayala Makati (2 Days Onsite / 3 Days Remote)
• HMO Coverage: Up to 500K
• Leave Credits: Prorated, applicable on first day