Intermediate Credit Analyst

ING Hubs Philippines; Metro Manila; On-site; PHP 400,000 - 700,000; Full time

Job summary

ING Hubs Philippines is seeking a detail-oriented credit professional in Metro Manila to analyseFinancial statements of diverse borrowers, screen loan agreements and monitor financial covenants. The role supports lending teams worldwide by preparing overdue ratings, covenants and financial reports, and performing independent sector risk assessments.

You will collaborate with local and global peers and managers in wholesale banking.

Responsibilities

• Analysing financial statements (Income Statement, Balance Sheet and Cash Flow Statement) of public and private companies and inputting the required data into various credit analysis systems.
• Screening the loan agreements and understanding the financial covenants applicable to the borrower.
• Preparation of various reports for lending teams across the globe for overdue ratings, covenants and financials – we want to be able to proactively help the lending teams resolve any issues before they may arise.
• Conducting background research independently to understand the broad drivers that guide various sectors in which the borrowers operate with a view to performing a brief risk assessment, resulting in an appropriate risk rating.
• You will tap into your credit, analytical and technical skills while working collaboratively with your local and global peers and management teams.
• You will work with engaged managers and have exposure to global teams across all areas of Wholesale Banking (e.g., corporate, real estate, and financial institutions etc).

Job description

• Analysing financial statements (Income Statement, Balance Sheet and Cash Flow Statement) of public and private companies and inputting the required data into various credit analysis systems.
• Screening the loan agreements and understanding the financial covenants applicable to the borrower.
• Preparation of various reports for lending teams across the globe for overdue ratings, covenants and financials – we want to be able to proactively help the lending teams resolve any issues before they may arise.
• Conducting background research independently to understand the broad drivers that guide various sectors in which the borrowers operate with a view to performing a brief risk assessment, resulting in an appropriate risk rating.
• You will tap into your credit, analytical and technical skills while working collaboratively with your local and global peers and management teams.
• You will work with engaged managers and have exposure to global teams across all areas of Wholesale Banking (e.g., corporate, real estate, and financial institutions etc).