Credit Analyst

BDO Unibank, Inc.; Mandaluyong; On-site; PHP 300,000 - 540,000; Full time

Job summary

BDO Unibank, Inc. is seeking a Financial Analyst in Risk Management to deliver comprehensive, risk-based financial analysis that supports prudent lending decisions.

You will assess borrower repayment capacity, validate financial statements, and project scenarios. The role involves site visits with relationship managers, preparing detailed cash flow analyses, benchmarking against peers, and identifying key risks with mitigation options.

Qualifications

• Graduate of Bachelor’s degree in Finance, Accountancy, Economics, 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

Responsibilities

• 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.

Skills

Financial analysis

Credit evaluation

Risk management

MS Office proficiency

Education

Bachelor’s degree in Finance, Accountancy, Economics, or related field

Tools

Excel

Word

Job description

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Mandaluyong City, National Capital Region, PH

Business Unit: Risk Management Group

Department:

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 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

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