Credit Underwriter

Chinabank PH; Philippines; On-site; PHP 600,000 - 1,000,000; Full time

Job summary

Chinabank PH is seeking a Credit Underwriter in Institutional Banking to assess creditworthiness and provide sound recommendations that support informed lending decisions.

You will prepare credit memoranda, conduct financial and risk analysis for institutional clients, identify risks, and collaborate with business and risk partners to ensure policy compliance.

Qualifications

• Bachelor's degree in Accounting, Finance, Economics, Business, or a related field. CPA, CFA, or MBA is an advantage.
• At least three (3) years of experience in corporate credit analysis within a financial institution.
• Strong knowledge of credit analysis, financial analysis, and financial modeling.
• Excellent analytical skills with keen attention to detail.
• Auditing experience is an advantage but not required.

Responsibilities

• Prepare new, renewal, and interim credit memoranda for institutional banking clients.
• Conduct credit, financial, and risk analysis to evaluate borrowers and transactions.
• Identify material risks and recommend appropriate mitigating measures.
• Present credit recommendations and collaborate with business and risk partners.
• Review borrower risk ratings and ensure compliance with credit policies and standards.

Skills

Credit analysis

Financial modeling

Risk assessment

Attention to detail

Education

Bachelor's degree in Accounting/Finance

CPA/CFA/MBA an advantage

Tools

Excel

Job description

As a Credit Underwriter under the Institutional Banking Segment, you will support business growth by assessing creditworthiness, identifying key risks, and providing sound credit recommendations that enable informed lending decisions.

What You Will Be Doing

• Prepare new, renewal, and interim credit memoranda for institutional banking clients.
• Conduct credit, financial, and risk analysis to evaluate borrowers and transactions.
• Identify material risks and recommend appropriate mitigating measures.
• Present credit recommendations and collaborate with business and risk partners.
• Review borrower risk ratings and ensure compliance with credit policies and standards.

What Success Looks Like

• Delivers timely, accurate, and well-supported credit recommendations.
• Produces sound financial and credit analyses that support quality lending decisions.
• Effectively identifies and communicates material risks and policy deviations.
• Demonstrates strong attention to detail and early risk recognition.
• Maintains high standards of credit quality and policy compliance.

Qualifications We Value

• Bachelor's degree in Accounting, Finance, Economics, Business, or a related field. CPA, CFA, or MBA is an advantage.
• At least three (3) years of experience in corporate credit analysis within a financial institution.
• Strong knowledge of credit analysis, financial analysis, and financial modeling.
• Excellent analytical skills with keen attention to detail.
• Auditing experience is an advantage but not required.

What You Can Expect Here

• Exposure to complex corporate and institutional banking transactions.
• Opportunities to deepen your expertise in credit underwriting and risk assessment.
• Collaboration with business, risk, legal, compliance, and audit teams.
• Hands-on experience in financial analysis, financial modeling, and credit decision-making.
• A dynamic environment that supports continuous learning and career growth.