Credit Risk Analyst — Hybrid, Growth & Perks

First Circle; Manila; Hybrid; PHP 279,000 - 312,480; Full time

Benefits offered by this job

HMO coverage from month one

Free catered lunches

MacBook Air provided

Monthly fitness allowance

Transportation & accommodation Allow­-

Job summary

First Circle in Manila is seeking a Risk Operations Analyst to evaluate SME loan applicants and assess risk, leveraging financial data and credit reports.

You'll participate in due diligence, ensure compliance, and collaborate with cross-functional teams to build a complete view of borrowers’ financial positions. The role offers a hybrid work setup with in-office days at BGC and remote days, plus a strong focus on analytical skills and growth in credit underwriting.

Qualifications

• Fresh graduate or with maximum 1 year of experience.
• Bachelor’s degree in Business, Finance, Accounting, Economics, or a related field.
• Strong analytical and problem-solving skills with the ability to interpret financial statements and assess creditworthiness.
• Excellent communication and interpersonal skills with attention to detail and ability to work under tight deadlines.

Responsibilities

• Credit Evaluation: Evaluate SME loan applicants’ creditworthiness using financial statements, credit reports, and other data.
• Risk Assessment: Assess borrower risk profiles by identifying key risks, mitigating factors, and overall financial strength.
• Due Diligence & Compliance: Conduct due diligence to ensure regulatory compliance and credit standards.
• Cross-Functional Collaboration: Work with cross-functional teams to gather information and understand borrowers’ financial positions.
• Credit Decisioning & Portfolio Monitoring: Prepare credit recommendations, maintain loan records, and monitor borrowers.

Skills

Analytical & problem-solving

Communication

MS Excel

Education

Bachelor’s degree in Business, Finance, Accounting, Economics, or related field

Tools

Microsoft Excel

Job description

First Circle in Manila is seeking a Risk Operations Analyst to evaluate SME loan applicants and assess risk, leveraging financial data and credit reports.

You'll participate in due diligence, ensure compliance, and collaborate with cross-functional teams to build a complete view of borrowers’ financial positions. The role offers a hybrid work setup with in-office days at BGC and remote days, plus a strong focus on analytical skills and growth in credit underwriting.