Credit and Financial Analyst (D.Tuazon, Quezon City)

Insular Oil Corporation; Quezon City; Sur place; PHP 480 000 - 600 000; Plein temps

Résumé du poste

Insular Oil Corporation seeks a Credit Analyst to perform financial statement analysis, ratio interpretation, and credit evaluation for existing accounts. You will coordinate with Industrial Specialists, monitor SBLCs, and prepare monthly reports while supporting billing and credit operations.

The role requires 2–3 years in credit/financial analysis, strong Excel skills, and meticulous attention to detail. Collaboration with management and timely submission of documents are essential.

Qualifications

• Bachelor's degree in Accountancy, Finance, Business Administration, Economics, Banking and Finance, Management, or related field.
• 2–3 years of relevant credit/financial analysis experience preferred.
• Experience in petroleum/oil and gas, logistics, banking, or related industry is advantageous.

Responsabilités

• Analyze audited financial statements and classify accounts using prescribed spreadsheets.
• Interpret and evaluate key financial ratios in relation to industry performance and credit facilities.
• Prepare financial analysis reports and provide recommendations on credit lines or collateral such as SBLCs.
• Present findings and recommendations during Credit Committee meetings.
• Monitor SBLCs and maintain a consolidated database of active SBLCs.

Connaissances

Financial statement analysis

Financial ratio interpretation

Analytical thinking

Detail orientation

Problem solving

Excel

Report writing

Communication

Formation

Bachelor's degree in Accountancy/Finance/Business/Economics

Outils

Microsoft Excel

Description du poste

Duties and Responsibilities

• Financial Statement Analysis
• Coordinate with Industrial Specialists (IS) to ensure timely submission of the latest financial documents of existing accounts.
• Analyze audited financial statements and accurately classify financial accounts using prescribed spreadsheets.
• Interpret and evaluate key financial ratios, including profitability, liquidity, leverage, and efficiency ratios, in relation to industry performance and existing credit facilities.
• Prepare comprehensive financial analysis reports and provide recommendations on appropriate credit lines, payment terms, or additional collateral requirements such as Standby Letters of Credit (SBLCs).
• Present and explain financial analysis findings and recommendations during Credit Committee (CRECOM) meetings.
• Monitoring of Existing Standby Letters of Credit (SBLCs)
• Maintain an updated and accurate consolidated database of all active SBLCs.
• Coordinate with Industrial Specialists regarding upcoming SBLC expirations and issue advisories at least two (2) months before maturity.
• Notify the assigned Credit Analyst immediately when SBLCs will not be renewed to facilitate credit exposure monitoring.
• Prepare monthly monitoring reports on SBLC status and renewals.
• Credit Operations Support
• Assist in the enrollment of new accounts, validation of documentary requirements, and conduct credit investigations.
• Support the Billing and Collection Unit in CWT tagging and Collection Receipt (CR) transmittals.
• Assist the Credit Evaluation Unit in processing Sales Orders and Credit Evaluations (CE).
• Perform other credit and administrative tasks as assigned by management.
• Reports
• Prepare Daily/Monthly Financial Statement Analysis Reports.
• Prepare Monthly SBLC Monitoring Reports.
• Generate Other Reports As May Be Required By Management.

Job Specifications

Minimum Education Required

Bachelor's Degree in Accountancy, Finance, Business Administration, Economics, Banking and Finance, Management, or any related field.

Minimum Relevant Work Experience Required

• At least 2–3 years of relevant experience in credit analysis, financial analysis, credit evaluation, accounts receivable, lending, banking, or related functions.
• Experience in financial statement analysis and credit risk assessment is preferred.
• Experience in the petroleum, oil and gas, logistics, banking, or commercial industry is an advantage.

Other Competencies Required By The Job

• Strong knowledge of financial statement analysis and financial ratio interpretation.
• Knowledge of credit evaluation, credit investigation, and risk assessment.
• Understanding of Accounts Receivable management and collection processes.
• Knowledge of Standby Letters of Credit (SBLC) administration is an advantage.
• Analytical and critical thinking skills.
• Attention to detail and high level of accuracy.
• Problem-solving and decision-making skills.
• Excellent written and verbal communication skills.
• Good interpersonal and coordination skills.
• Proficiency in Microsoft Excel and other Microsoft Office applications.
• Ability to prepare reports and present financial analyses to management.
• Strong organizational and time management skills.
• Ability to work independently and collaboratively in a team environment.