Credit Specialist

Unioil Petroleum Philippines, Inc.; Pasig; On-site; PHP 480,000 - 720,000; Full time

Benefits offered by this job

Competitive salary

Career development

Collaborative environment

Job summary

Unioil Petroleum Philippines, Inc. in Pasig seeks a Credit Specialist to protect receivables through rigorous credit assessment and prudent limit decisions. This high-accountability role owns the quality of every credit recommendation.

You will review new applications, conduct investigations, document risk mitigants, and support governance through clear committee presentations while fieldwork and site verifications inform credit judgments.

Qualifications

• Bachelor's degree in Accountancy, Finance, Economics or related field.
• 1–3 years in credit analysis, corporate banking or B2B trade credit.
• Strong credit judgment with ability to assess accounts from financials to committee needs.

Responsibilities

• Evaluate new credit applications and renewals against policies.
• Conduct credit investigations and document risk mitigants for every recommendation.
• Perform field visits, verify assets and operations, and document findings with reports.
• Prepare credit proposals for the Credit Committee and support governance with clear rationale.

Skills

Credit analysis

Trade credit

Credit judgment

Fieldwork

AI tools for finance

Excel advanced

SAP S/4HANA

Salesforce

Financial statement review

Education

Bachelor's degree in Accountancy

Finance

Economics

Business Administration

Tools

SAP S/4HANA

Salesforce

Microsoft Excel

Claude

ChatGPT

Copilot

Job description

About Unioil Petroleum Philippines, Inc.

Unioil Petroleum Philippines, Inc. is one of the country’s leading independent downstream petroleum companies, operating a network of retail service stations and supplying fuels, lubricants, and petrochemical products to industrial, commercial, and retail customers across the Philippines. We are committed to delivering quality energy solutions while fostering a culture of excellence, integrity, and continuous growth.

Fuel the Future With Us

The Credit Specialist is responsible for protecting Unioil's receivables portfolio through rigorous credit assessment and sound judgment on credit limit decisions. This is a high-accountability role: the Credit Specialist owns the quality of every credit recommendation she recommends on.

How You'll Drive Success

Credit Assessment & Underwriting

• Evaluate new credit applications and renewal requests against Unioil's credit policies
• Conduct credit investigation: verify business legitimacy, ownership structures, affiliated company exposures, and negative data findings
• Structure appropriate credit lines (revolving, term, interim) based on client financial capacity, payment behavior, and industry risk profile
• Identify and document risk mitigants for every credit recommendation — no approval without a documented rationale
• Formally flag aggressive line proposals with written credit concerns before committee presentation; do not approve what you cannot defend

Fieldwork & Physical Verification

• Conduct site visits for new credit applications, significant line increases, and accounts with material changes in operations
• Verify physical assets, operational activity, and management credibility in person, particularly for construction, quarrying, and project-finance accounts
• Document site visit findings with photos, observations, and a signed visit report; findings must inform the credit recommendation
• Validate Letters of Credit (LC), Standby LCs (SBLC), and other credit instruments — track expiry dates and initiate renewal follow-ups proactively
• Review and verify SEC registration, Articles of Incorporation, GIS, audited financial statements, and bank references for completeness and authenticity
• Maintain organized credit files per account; flag documentation gaps before credit lines are extended, not after

Credit Committee & Governance

• Prepare and present credit proposals to the Credit Committee — written and oral formats. Own the presentation; know the account well enough to answer any question
• Recommend credit limit recalibrations (increase, reduction, suspension) based on payment behavior and current financial capacity
• Participate in credit committee meetings; apply consistent judgment standards across all accounts regardless of commercial pressure

The Expertise You Bring

Education

• Bachelor's degree in Accountancy, Finance, Economics, Business Administration, or a related field

Experience

• 1–3 years of credit analysis, corporate banking, or B2B trade credit experience
• Banking background (credit officer, credit analyst) is strongly preferred
• Strong credit judgment — able to independently assess any account from raw financials to committee recommendation without hand-holding
• Maintains credit standards under commercial pressure; knows the difference between a legitimate business case and a relationship favor
• Comfortable working on Saturdays, holidays and conducting fieldwork — site visits to quarries, construction sites, and provincial operations
• Proficient in AI tools (Claude, ChatGPT, Copilot) for financial analysis and report drafting as a daily workflow
• Navigates SAP S/4HANA and Salesforce for payment histories, AR reports, and credit status tracking
• Advanced Microsoft Excel required
• Professional confidence to say no when the numbers do not support approval; this role carries financial accountability

Why Unioil

• Competitive salary and benefits package
• Career development and promotion opportunities within a growing company
• Collaborative and supportive work environment