Financial & Credit Analyst

Insular Oil Corporation; Quezon City; On-site; PHP 360,000 - 600,000; Full time

Job summary

Insular Oil Corporation in Manila seeks a Credit Analyst to perform financial analysis, monitor credit risk, and oversee SBLCs to safeguard the company’s financial interests.

You will analyze statements, propose credit terms, present findings to CRECOM, track delinquent accounts, and coordinate with Billing, Credit Evaluation, and other teams. Ideal candidates have a 2–3 year track record in financial/credit analysis and a degree in a related field; petroleum/oil & gas experience is a plus.

Qualifications

• Bachelor's degree in Accountancy, Finance, Business, Economics, Banking & Finance, Management, or related field.
• At least 2–3 years of relevant experience in financial/credit analysis, credit evaluation, AR, lending, banking, or related functions.
• Strong skills in financial statement analysis, ratio interpretation, credit risk assessment, Excel, reporting, and problem-solving.
• Strong attention to detail, communication, coordination, and organizational skills.
• Experience in petroleum/oil & gas, logistics, banking, or commercial industries is an advantage.

Responsibilities

• Analyze financial statements and key financial ratios to assess account performance and credit risk
• Recommend appropriate credit lines, payment terms, and collateral/SBLC requirements
• Present financial analysis and recommendations during Credit Committee (CRECOM) meetings
• Monitor delinquent/inactive accounts, collection efforts, and legal endorsements
• Maintain and monitor Standby Letters of Credit (SBLCs), including expirations and renewals
• Assist with new account enrollment, credit investigations, AR monitoring, Sales Orders, and Credit Evaluations
• Coordinate with Industrial Specialists, Billing & Collection, Credit Evaluation, and other internal teams
• Prepare daily/monthly financial analysis, SBLC, and delinquent account reports

Skills

Financial statement analysis

Ratio interpretation

Credit risk assessment

Reporting

Problem-solving

Communication

Coordination

Organizational skills

Education

Bachelor's degree in Accountancy/Finance/Business/Economics/Banking & Finance/Management

Tools

Excel

Job description

About the role

Responsible for financial analysis, credit risk monitoring, delinquent account management, SBLC monitoring, and credit evaluation support to protect the company's financial interests.

Key responsibilities

• Analyze financial statements and key financial ratios to assess account performance and credit risk




• Recommend appropriate credit lines, payment terms, and collateral/SBLC requirements




• Present financial analysis and recommendations during Credit Committee (CRECOM) meetings




• Monitor delinquent/inactive accounts, collection efforts, and legal endorsements




• Maintain and monitor Standby Letters of Credit (SBLCs), including expirations and renewals




• Assist with new account enrollment, credit investigations, AR monitoring, Sales Orders, and Credit Evaluations




• Coordinate with Industrial Specialists, Billing & Collection, Credit Evaluation, and other internal teams




• Prepare daily/monthly financial analysis, SBLC, and delinquent account reports

About you

• Bachelor's degree in Accountancy, Finance, Business, Economics, Banking & Finance, Management, or related field




• At least 2–3 years of relevant experience in financial/credit analysis, credit evaluation, AR, lending, banking, or related functions




• Strong skills in financial statement analysis, ratio interpretation, credit risk assessment, Excel, reporting, and problem-solving




• Strong attention to detail, communication, coordination, and organizational skills




• Experience in petroleum/oil & gas, logistics, banking, or commercial industries is an advantage