Credit Analyst

TPC Energy Corporation; Taguig; Hybrid; PHP 300,000 - 520,000; Full time

Benefits offered by this job

Health insurance

Job summary

TPC Energy Corporation is seeking a Credit Analyst to evaluate creditworthiness, analyze financial statements, and support lending decisions within our banking and financial services division. You will assess risk, prepare detailed reports, and monitor accounts for early warning signs.

Ideal candidates hold a finance-related degree, 2–5 years in credit analysis, with strong analytical skills, proficiency in Excel, and knowledge of credit policies, regulatory requirements, and risk management.

Qualifications

• Bachelor's degree in a finance-related field and 2–5 years in credit analysis or credit risk assessment.
• Strong analytical and quantitative skills to interpret financial statements and credit metrics.
• Proficiency in financial modelling, cash flow analysis, and credit rating methodologies.

Responsibilities

• Analyse credit applications and financial statements to assess borrower creditworthiness and repayment capacity
• Evaluate credit risk factors, including industry trends, market conditions, and borrower financial performance
• Prepare detailed credit reports and recommendations for approval or denial of credit facilities
• Monitor existing credit accounts and identify early warning signs of potential defaults or deteriorating financial conditions
• Conduct thorough due diligence on borrowers, including background checks, collateral valuation, and verification of financial information
• Maintain accurate credit documentation and ensure compliance with lending policies and regulatory requirements
• Liaise with internal departments, borrowers, and external stakeholders to gather necessary information and clarify credit matters
• Support the development and implementation of credit policies, procedures, and risk mitigation strategies
• Keep abreast of changes in credit market conditions, lending practices, and regulatory updates

Skills

Analytical ability

Financial modelling

Credit risk assessment

Communication skills

Attention to detail

Excel proficiency

Regulatory knowledge

Ethical standards

Education

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

Tools

Excel

Credit analysis software/banking systems

Job description

About the role

As a Credit Analyst, you will play a crucial role in our credit operations and risk management function. You will be responsible for evaluating creditworthiness, assessing financial risk, and supporting informed lending decisions within our banking and financial services division. This role is integral to maintaining the financial health of our organisation and protecting our assets whilst supporting sustainable business growth.

Key responsibilities

• Analyse credit applications and financial statements to assess borrower creditworthiness and repayment capacity

• Evaluate credit risk factors, including industry trends, market conditions, and borrower financial performance

• Prepare detailed credit reports and recommendations for approval or denial of credit facilities

• Monitor existing credit accounts and identify early warning signs of potential defaults or deteriorating financial conditions

• Conduct thorough due diligence on borrowers, including background checks, collateral valuation, and verification of financial information

• Maintain accurate credit documentation and ensure compliance with lending policies and regulatory requirements

• Liaise with internal departments, borrowers, and external stakeholders to gather necessary information and clarify credit matters

• Support the development and implementation of credit policies, procedures, and risk mitigation strategies

• Keep abreast of changes in credit market conditions, lending practices, and regulatory updates

About you

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field

• 2–5 years of professional experience in credit analysis, loan underwriting, or credit risk assessment within a financial institution or corporate credit environment

• Strong analytical and quantitative skills, with the ability to interpret financial statements, ratios, and credit metrics accurately

• Proficiency in financial modelling, cash flow analysis, and credit rating methodologies

• Excellent attention to detail and the ability to work with complex data and documentation

• Sound knowledge of banking regulations, credit policies, and risk management practices

• Strong communication skills, both written and verbal, with the ability to present findings clearly to stakeholders

• Proficiency in Microsoft Excel and familiarity with credit analysis software or banking systems

• Integrity and strong ethical standards, with the ability to handle sensitive financial information confidentially