Junior Credit Analyst

ING Wholesale Banking; Philippines; On-site; PHP 420,000 - 680,000; Full time

Job summary

ING Wholesale Banking in the Philippines is seeking a credit risk analyst to support global lending teams. You will analyze financial statements, input data in credit systems, and review loan agreements to identify covenants.

The role involves monitoring covenant compliance and preparing reports for lending teams worldwide. Ideal candidates have a bachelor's in finance/Accounting or related field, fresh graduates are welcome, and experience in lending or credit-related functions is a plus.

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.

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

Job description

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

In this role, you will:

• 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

You Thrive In This Role If You

• 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

Requirements