Credit Analyst

Total Philippines Corporation; Taguig; On-site; PHP 600,000 - 1,100,000; Full time

Job summary

Total Philippines Corporation in Taguig, Philippines invites applications for a Credit Risk & Accounts Receivable role. You will assess dealer credit, monitor receivables, and support billing controls while communicating with Sales and Finance to manage risk.

The position emphasizes analysis, accuracy, and collaboration across teams. The role focuses on evaluating creditworthiness, monitoring aging and DSO trends, and ensuring compliance with DOA policies.

Qualifications

• Bachelor's degree in Finance, Accountancy, Economics, or related field.
• 2-3 years of experience in credit risk, credit control, accounts receivable, or related finance functions.
• Experience in oil, energy, trading, or high-volume distribution is an advantage.
• CPA is an advantage.
• Strong knowledge of financial statement analysis and credit evaluation.

Responsibilities

• Credit Risk Assessment & Management: evaluate creditworthiness of dealers and customers.
• Accounts Receivable Monitoring: review aging reports (30/60/90+) and monitor DSO trends.
• Billing & Credit Controls: review pricing, VAT, cut-off, and reconcile accounts.
• High-Risk Account Management: investigate delinquent accounts and propose risk mitigations.
• Reporting & Analysis: prepare monthly credit and AR reports and top customer exposures.

Skills

Financial analysis

Credit assessment

Credit risk scoring

Exposure management

Liquidity analysis

IFRS/PFRS impairment

Advanced Excel

SAP/ERP systems

AR aging & DSO analysis

Education

Bachelor's degree in Finance/Accountancy/Economics

CPA (advantage)

Tools

SAP

Job description

Key Responsibilities

Credit Risk Assessment & Management

• Evaluate the creditworthiness of dealers and commercial customers.

• Analyze financial statements, including liquidity, leverage, EBITDA, and working capital.

• Assess customer exposure, profitability, and concentration risks.

• Recommend appropriate credit limits, payment terms, credit holds, or restructuring arrangements.

• Conduct periodic credit reviews and renewals.

• Ensure compliance with company credit policies and Delegation of Authority (DOA).

Accounts Receivable Monitoring

• Monitor customer receivables and credit exposure.

• Review 30/60/90+ day aging reports and identify overdue or high-risk accounts.

• Analyze DSO (Days Sales Outstanding) trends and identify causes of deterioration.

• Monitor accounts that exceed approved credit limits.

• Support the assessment and provision of doubtful accounts in accordance with applicable accounting standards.

Billing & Credit Controls

• Review billing accuracy, including pricing, VAT, and cut‑off requirements.

• Investigate billing and receivable discrepancies.

• Review credit notes, adjustments, and account reconciliations.

• Coordinate with Sales, Finance, and other departments to resolve customer account issues.

• Support internal and external audit requirements.

High‑Risk Account Management

• Investigate returned checks and chronically delinquent accounts.

• Assess financial and liquidity risks associated with high-risk customers.

• Recommend payment arrangements, additional security, or other risk‑mitigation measures.

• Escalate significant credit exposures to management with appropriate recommendations.

Reporting & Analysis

• Prepare monthly Credit and Accounts Receivable reports.

• Monitor total customer exposure versus approved credit limits.

• Prepare aging and DSO analysis.

• Identify top customer/dealer exposures and over‑limit accounts.

• Prepare supporting schedules for credit risk and doubtful account provisions.

Qualifications

• Bachelor's degree in Finance, Accountancy, Economics, or a related field.

• 2-3 years of experience in credit risk, credit control, accounts receivable, or related finance functions.

• Experience in oil & gas, energy, trading, or high-volume distribution is an advantage.

• CPA is an advantage.

• Strong knowledge of financial statement analysis and credit evaluation.

Technical Skills

• Strong financial analysis and credit assessment skills.

• Knowledge of credit risk scoring and exposure management.

• Working knowledge of liquidity and working capital analysis.

• Knowledge of IFRS/PFRS impairment principles.

• Advanced Microsoft Excel skills, including PivotTables and financial analysis.

• Experience with SAP or other ERP systems is an advantage.

• Strong knowledge of AR aging and DSO analysis.

Core Competencies

• Analytical and detail-oriented

• Strong risk awareness

• Financial and commercial acumen

• Excellent problem‑solving skills

• Strong communication and coordination skills

• High level of accuracy and attention to detail

• Ability to work with Sales, Finance, and Operations teams

• Strong reporting and data‑analysis skills