Credit Analyst

Zohorecruit; Pasay; On-site; PHP 600,000 - 900,000; Full time

Job summary

Infinit-O, a leading business process optimization partner, is seeking a finance professional with 3–5 years' experience to build robust valuation and credit models for portfolio companies. You will review investment materials, monitor performance, and communicate findings to senior teams.

Strong Excel skills and familiarity with Power BI and Chronograph are preferred. This on-site role in Pasay links finance work to strategic investor outreach within a dynamic, DEI-focused firm.

Qualifications

• 3–5 years of experience in financial analysis and valuation.
• Advanced Excel skills and complex model building.
• Familiarity with Power BI and Chronograph is a plus.

Responsibilities

• Develop and maintain financial models with capital structure and credit metrics.
• Review underwriting materials and legal docs to understand loan/investment structure.
• Monitor portfolio performance and provide updates to senior Analysts.
• Prepare valuation materials and support committee deliberations.
• Onboard new deals and integrate with the firm’s technology stack.

Skills

Advanced Excel

Financial modeling

Analytical thinking

Portfolio management

Communication skills

Tools

Power BI

Chronograph

Excel

Job description

Pasay City Central Post Office, Philippines | Posted on 09/23/2026

Infinit-O is the trusted customer-centric and sustainable leader in Business Process Optimization for Small and Medium businesses in the Financial Services, Healthcare, and Technology sectors by delivering continuous improvement through technology, data, and people.

Job Description

Infinit-O is the trusted, customer-centric, and sustainable leader in Business Process Optimization. We empower finance and healthcare organizations to thrive in a digital-first world by combining specialized industry expertise and innovative technology for 20 years.

We navigate complex industry landscapes to drive transformative outcomes, helping businesses streamline operations, enhance customer experience, and achieve sustainable growth backed by a world-class Net Promoter Score of 75. Our approach combines operational efficiency with a human-centered ethos, ensuring sustainable value creation for our clients and team members.

As a Certified B Corporation, Infinit-O is committed to the highest standards of social and environmental performance, accountability, and transparency. We embed these values into every aspect of our operations—aligning business success with a positive impact on our clients, people, and communities.

Our commitment to Diversity, Equity, and Inclusion (DEI) is integral to our mission. We believe that building inclusive, equitable teams is not only the right thing to do—it is also essential for driving innovation and better business outcomes. We actively promote equal opportunity through inclusive hiring practices, continuous learning programs, and regular equity assessments to ensure a fair and empowering workplace for all.

Key Responsibilities

• Develop and maintain robust financial models incorporating capital structure, key performance metrics, and credit ratio analysis for assigned portfolio companies.
• Review underwriting materials — investment memos, credit agreements, and other key diligence items — to understand the business, the structure of the loan/investment, and the investment thesis, including strengths, weaknesses, threats, and mitigants.
• Review and interpret relevant legal documentation, including credit agreements and intercreditor agreements.
• Monitor ongoing financial performance and material events impacting portfolio companies, accessing portfolio company data sites to retrieve reported information.
• Update Excel models with the latest financial performance following each reporting period (monthly or quarterly) and prepare written summaries following each period.
• Provide regular updates to senior Analysts on the status of each allocated portfolio company.
• Track relevant industry trends and competitor performance, including maintaining comparable company analyses.
• Assist in analyzing and evaluating amendments and incremental financing opportunities for portfolio
• Participate in periodic internal portfolio review meetings and discussions.
• Onboard new deals, ensuring proper integration with the firm's technology stack (Power BI, Chronograph, etc.), and use credit agreements and investment committee memos to establish and track key entry metrics.
• Manage the timely collection of borrower financial packages and compliance certificates, ensuring an up-to-date view is maintained on an ongoing basis.
• Own key reporting deliverables for investor requests, maintainingboth deal-closing and current metrics.

Valuation

• Roll forward valuation models each quarter using standard methodologies — discounted cash flow, trading comparables, and transaction comparables.
• Prepare materials for the valuation committee.
• Prepare unaudited and audited valuation back-testing across Private Equity and Credit portfolios.
• Review relevant market data to support valuation conclusions.
• Prepare valuation memos and supporting materials for third-party valuation providers.
• Review draft deliverables prepared by third-party valuation providers

Requirements

Experience: 3-5 years

Advanced Excel skills, including comfort building and maintaining complex, formula-driven financial models; familiarity with Power BI and Chronograph is a plus.

• Working knowledge of credit and capital structure concepts (leverage multiples, coverage ratios, covenants) and standard valuation methodologies (DCF, trading and transaction comparables).
• Strong analytical and critical-thinking skills, with the ability to synthesize legal and financial documentation into clear investment and valuation conclusions.
• Exceptional attention to detail and sound judgment, given the confidential and investor-facing nature of the work.
• Strong written and verbal communication skills to produce clear write-ups and memos and to collaborate effectively with deal teams, the Valuation group, and Investor Relations.
• Ability to manage multiple portfolio companies and competing deadlinesin a fast-paced environment.