Credit Analyst — Risk & Lending Decisions

TPC Energy Corporation; Taguig; Hybride; PHP 300 000 - 520 000; Plein temps

Avantages offerts par ce poste

Health insurance

Résumé du poste

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.

Responsabilités

• 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

Connaissances

Analytical ability

Financial modelling

Credit risk assessment

Communication skills

Attention to detail

Excel proficiency

Regulatory knowledge

Ethical standards

Formation

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

Outils

Excel

Credit analysis software/banking systems

Description du poste

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.