Credit Investigation Officer

Zenith United Electric Corp; Metro Manila; On-site; PHP 360,000 - 540,000; Full time

Job summary

Zenith United Electric Corp in Metro Manila is seeking a Credit Analyst to assess client creditworthiness through financial review, bank and trade references, and business verification.

You will prepare credit recommendations, monitor accounts for risk, and maintain audit-ready files in compliance with privacy laws. A background in financial management and at least 3 years in credit analysis are required.

Qualifications

• Bachelor's degree in Financial Management, Banking and Finance, Business Administration, or related field.
• At least 3 years' experience in credit investigation, credit analysis, or account/loan underwriting.
• Hands-on experience analyzing audited financial statements and writing credit recommendations.
• Strong financial statement analysis and bank/trade reference checking skills.
• Advanced MS Excel; ERP data-encoding experience is a plus.
• Valid driver's license, with willingness to conduct field/ocular verification.

Responsibilities

• Investigate and evaluate new and existing clients' creditworthiness through financial statement review, bank/supplier checking, and business verification.
• Recommend credit lines and required security, and prepare Customer Status Reports with risk assessments.
• Review active accounts regularly and trigger re-evaluations on red flags (bounced checks, aging, volume spikes).
• Prepare credit application results and communicate approvals to Sales and clients.
• Monitor inactive accounts and re-investigate before reinstating credit terms.
• Maintain accurate, audit-ready credit files and ERP records in compliance with the Data Privacy Act.

Skills

Credit analysis

Financial statement analysis

Risk assessment

Attention to detail

Field verification

Education

Bachelor's degree in Financial Management, Banking and Finance, Business Administration, or related field

Tools

MS Excel

ERP data-encoding

Job description

Job Responsibilities:

• Investigate and evaluate new and existing clients' creditworthiness through financial statement review, bank/supplier checking, and business verification.

• Recommend credit lines and required security, and prepare Customer Status Reports with risk assessments.

• Review active accounts regularly and trigger re-evaluations on red flags (bounced checks, aging, volume spikes).

• Prepare credit application results and communicate approvals to Sales and clients.

• Monitor inactive accounts and re-investigate before reinstating credit terms.

• Maintain accurate, audit-ready credit files and ERP records in compliance with the Data Privacy Act.

Job Qualifications:

• Bachelor's degree in Financial Management, Banking and Finance, Business Administration, or related field.

• At least 3 years' experience in credit investigation, credit analysis, or account/loan underwriting.

• Hands-on experience analyzing audited financial statements and writing credit recommendations.

• Strong financial statement analysis and bank/trade reference checking skills.

• Advanced MS Excel; ERP data-encoding experience is a plus.

• Valid driver's license, with willingness to conduct field/ocular verification.

• High integrity, sound judgment, and strong attention to detail.