Credit Analyst

East West Banking Corporation; Quezon City; On-site; PHP 42,000 - 58,000; Full time

Benefits offered by this job

Career development and training opportunities

Competitive salary package

Performance-based incentives

Job summary

A top universal bank in the Philippines is seeking a Credit Analyst to assess the creditworthiness of borrowers and conduct financial analyses. In this role, you'll prepare Credit Offering Memos and collaborate with marketing teams to process loans efficiently. The ideal candidate will have a bachelor's degree and at least 2 years of experience in commercial lending. This position offers competitive compensation and career growth opportunities in a supportive team environment.

Qualifications

• Minimum of 2 years experience in commercial or corporate lending.
• Strong knowledge of banking products and industry research is essential.
• Must possess excellent analytical and communication skills.

Responsibilities

• Conduct comprehensive financial and credit analysis of clients.
• Prepare and present Credit Offering Memos (COMs) for credit decisions.
• Collaborate with marketing teams for credit processing.

Skills

Credit evaluation

Financial analysis

Risk management

Analytical problem-solving

Communication skills

Stakeholder management

Education

Bachelor's degree in Business, Management, Marketing, Commerce, Economics, Finance, Accounting, or Banking

Job description

About the Job

Location: Quezon City
Corporate Title: Rank and File to Junior Officer
Work Arrangement: Onsite

Our team is looking for experienced professionals to join us in Quezon City in the role of Credit Analyst.

In this role, you will assess the creditworthiness of borrowers, conduct financial and risk analyses, and support lending decisions by preparing Credit Offering Memos (COMs). You will work closely with marketing teams to evaluate transactions, recommend appropriate credit structures, and ensure accurate and timely processing of credit approvals.

Your dream. Our focus.

East West Banking Corporation (EastWest) is one of the largest universal banks in the Philippines, and is committed to continuously invest in people and in process, product, and service enhancements, and embrace new ideas to enhance the EastWest experience.

We empower our employees to drive their careers and are committed to provide the runway for them to grow. We value teamwork and individual initiative. Join us and be part of a highly engaged team, and a workplace that promotes development and goal attainment.

Whether you're just starting out, or already a seasoned professional, EastWest can help you unleash your potential, and bridge the gap between dream to success.

What the role will entail

• Conduct comprehensive financial and credit analysis of prospective and existing clients
• Prepare and present Credit Offering Memos (COMs) to support sound credit decisions
• Evaluate risks and recommend appropriate credit structures and terms
• Monitor borrower performance and identify early warning indicators
• Recommend actions on restructuring, renewals, or collections when necessary
• Collaborate with marketing teams to ensure accurate and timely credit processing

What we're looking for

• Bachelor's degree in Business, Management, Marketing, Commerce, Economics, Finance, Accounting, or Banking
• At least 2 years of experience as an Account Officer or Credit Officer in commercial or corporate lending within a similar-sized or larger bank
• Strong knowledge of credit evaluation, banking products, financial analysis, risk management, and industry research
• Excellent analytical and problem-solving skills with keen business acumen
• Strong written and verbal communication skills
• Collaborative team player with solid stakeholder management skills
• Organized, detail-oriented, and able to work effectively under pressure

What you can expect from joining our team

• Career development and training opportunities
• Competitive salary package and benefits
• Performance-based incentives and recognition programs to reward high-performing individuals
• Opportunity to work with industry experts and be mentored by them
• Defined career progression paths to guide you in your professional growth