Credit Risk Analyst — Onsite Lending & Financial Analysis

BDO Unibank, Inc.; Mandaluyong; On-site; PHP 279,000 - 446,000; Full time

Job summary

BDO Unibank, Inc. in the Philippines is seeking a Credit Analyst to deliver comprehensive, risk-based financial analysis that supports prudent lending decisions.

The role involves evaluating borrower risk, validating historical statements, and constructing forward-looking projections to assess repayment capacity. Ideal candidates hold a finance-related bachelor’s degree, are proficient in Excel/Word, and are willing to work onsite in Ortigas, Makati, or Binondo.

Qualifications

• Bachelor’s degree in Finance, Accountancy, Economics, Business Management, or related field.
• At least 1 year of relevant work experience in credit evaluation, financial analysis, or risk management is an advantage.
• Fresh graduates are welcome to apply.
• Proficient in MS Office applications, particularly Excel and Word.
• Must be willing to work onsite and be assigned in Ortigas/Makati/Binondo.

Responsibilities

• Assesses financial soundness and repayment capacity of borrowing clients.
• Validates and analyzes historical financial statements for accuracy and performance trends.
• Identifies appropriate assumptions and performs financial projections primarily to evaluate repayment capacity.
• Performs sound reconstruction of financial statements with clear basis and assumptions.
• Conducts site visits and engages in client discussions with the relationship manager for new clients.
• Prepares financial spreadsheets and detailed analyses, including ratio assessment.
• Benchmarks company performance against industry peers and historical norms.
• Identifies key financial risks and possible mitigating factors.

Skills

MS Office

Excel

Word

Education

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

Job description

BDO Unibank, Inc. in the Philippines is seeking a Credit Analyst to deliver comprehensive, risk-based financial analysis that supports prudent lending decisions.

The role involves evaluating borrower risk, validating historical statements, and constructing forward-looking projections to assess repayment capacity. Ideal candidates hold a finance-related bachelor’s degree, are proficient in Excel/Word, and are willing to work onsite in Ortigas, Makati, or Binondo.