Junior Credit Analyst

ING Hubs B.V. Philippine Branch; Manila; On-site; PHP 280,000 - 420,000; Full time

Job summary

ING Hubs B.V. Philippine Branch seeks a credit risk analyst to support global lending teams and assess borrower financial health.

You will analyze financial statements, review loan covenants, and input data into credit systems to back lending decisions across international teams. You will work with managers and professionals in Corporate Banking, Real Estate Finance, and Financial Institutions to produce risk assessments, reports, and early warnings, while developing expertise in credit risk

Qualifications

• Bachelor's degree in Business, Accounting, Finance, Economics, or related field.
• Fresh graduates and candidates with up to two years of relevant experience welcome.
• Experience in corporate lending, institutional lending, financial services, or credit-related functions is an advantage.

Responsibilities

• Analyze financial statements, including Income Statements, Balance Sheets, and Cash Flow Statements, for public and private companies.
• Input and maintain financial data in various credit analysis systems.
• Review loan agreements and identify relevant borrower financial covenants.
• Monitor covenant compliance and support ongoing lending activities.
• Prepare reports on overdue ratings, covenant monitoring, and financial submissions for lending teams globally.
• Conduct independent background research on industries and borrowers to support risk assessments.
• Assist in determining appropriate risk ratings based on financial and qualitative analysis.
• Support proactive identification of potential risks and emerging issues.
• Collaborate with international stakeholders across multiple Wholesale Banking business lines, including Corporate Banking, Real Estate Finance, and Financial Institutions

Skills

Financial analysis

English communication

Cross-cultural collaboration

Attention to detail

Team player

Education

Bachelor's degree in Business/Accounting/Finance/Economics

Job description

You'll gain: Exposure to global lending teams and international markets Hands-on experience in credit analysis and risk assessment Opportunities to work with experienced managers and credit professionals A strong foundation for a long-term career in corporate banking and credit risk Experience supporting a diverse range of industries and client segments

What You'll Do

• Analyze financial statements, including Income Statements, Balance Sheets, and Cash Flow Statements, for public and private companies
• Input and maintain financial data in various credit analysis systems
• Review loan agreements and identify relevant borrower financial covenants
• Monitor covenant compliance and support ongoing lending activities
• Prepare reports on overdue ratings, covenant monitoring, and financial submissions for lending teams globally
• Conduct independent background research on industries and borrowers to support risk assessments
• Assist in determining appropriate risk ratings based on financial and qualitative analysis
• Support proactive identification of potential risks and emerging issues
• Collaborate with international stakeholders across multiple Wholesale Banking business lines, including Corporate Banking, Real Estate Finance, and Financial Institutions

Who We're Looking For

• Qualifications Bachelor's degree in Business, Accounting, Finance, Economics, or a related field
• Candidates from other disciplines with strong accounting knowledge are encouraged to apply
• Fresh graduates and candidates with up to two years of relevant experience are welcome
• Experience in corporate lending, institutional lending, financial services, or credit-related functions is an advantage

Skills & Attributes

• Strong understanding of financial statements and financial analysis
• Excellent analytical and problem-solving abilities
• High attention to detail and commitment to accuracy
• Strong organizational and time-management skills
• Excellent written and verbal English communication skills
• Ability to work effectively with stakeholders from different countries and cultures
• Resourceful, proactive, and eager to learn
• Strong team player with a positive and collaborative mindset

What Success Looks Like

• Enjoy analyzing financial information and identifying key insights
• Have a natural curiosity about businesses, industries, and economic trends
• Can balance accuracy, efficiency, and attention to detail
• Are motivated to develop expertise in lending, credit risk, and corporate banking
• Enjoy working in a fast-paced, international environment

We're a global bank with a strong European base, and our more than 60,000 colleagues serve around 38 million customers and corporate clients in over 40 countries. Joining ING means working with friendly and collaborative people towards making a positive impact on people and planet. We believe in empowering the people around us and our customers to stay a step ahead. Working here means having the autonomy to drive progress, helping to create superior customer value and contributing to our ambition of putting sustainability at the heart of everything we do. Here, we’re more than just a workplace - we’re a community of innovators, problem-solvers, and forward-thinkers, dedicated to making a real impact. Whether you're just starting your career or seeking the next big challenge, we have opportunities that will inspire and push you to grow.