Finance Analyst - Credit

San Miguel Foods; Pasig; On-site; PHP 300,000 - 420,000; Full time

Job summary

San Miguel Foods is seeking a detail-oriented Finance Analyst (Credit) to join our team in the Philippines. The role focuses on credit risk assessment, managing customer accounts, and supporting the financial health across the organization.

You will conduct credit investigations for new customers, prepare evaluation reports, and generate monthly A/R reports. SAP knowledge and strong analytical skills are required.

Qualifications

• Bachelor’s degree in Finance, Accountancy, or related field.
• Minimum 1 year experience in corporate auditing, accounts receivable, or credit evaluation & granting.
• Strong analytical skills to interpret financial data and make informed decisions.

Responsibilities

• Conduct credit investigations for new customers applying for credit terms and lines.
• Prepare customer evaluation reports and recommend terms and conditions.
• Generate and consolidate A/R reports from all Business Units monthly for management review.
• Monitor customer database for past due accounts and credit exposure and escalate issues.
• Collaborate with Business Units to mitigate exposure related to Credit or A/R.
• Demonstrate understanding of Order to Cash processes to ensure smooth workflows.
• Knowledgeable in SAP.

Skills

Credit risk assessment

Accounts receivable analysis

Data interpretation

Analytical thinking

Education

Bachelor's degree in Finance/Accounting

Tools

SAP

Job description

We are seeking a detail-oriented and analytical individual to join our team as Finance Analyst (Credit). The ideal candidate will have a strong background in finance or accountancy, with hands-on experience in corporate auditing processes. This position plays a crucial role in assessing credit risk, managing customer accounts, and supporting the financial health of our organization.

Responsibilities:

• Conduct thorough credit investigations for new customers applying for credit terms and credit lines.
• Prepare comprehensive customer evaluation reports based on credit investigations, and recommend necessary terms and conditions.
• Generate and consolidate Accounts Receivable (A/R) reports from all Business Units on a monthly basis for management review and reporting.
• Maintain, monitor, and analyze the customer database with past due accounts, over credit limits, and expiring collateral; and escalate issues to relevant Business Units to address risk exposure.
• Collaborate closely with all Business Units to resolve and/or mitigate exposure related to Credit or Accounts Receivable.
• Demonstrate a solid understanding of the Order to Cash process to ensure smooth operational workflows.
• Knowledgeable in SAP.

Qualifications:

• Bachelor’s degree in Finance, Accountancy, or a related field.
• A minimum of 1 year of experience in corporate auditing, accounts receivable, or credit evaluation & granting.
• Strong analytical skills with the ability to interpret financial data and make informed decisions.