Junior Credit Risk Analyst

Emerson; Mandaluyong; On-site; PHP 400,000 - 700,000; Full time

Job summary

Emerson Philippines in Mandaluyong is seeking a Credit Analyst to join a dynamic finance team and help minimize credit risk. You will assess customer creditworthiness, review financial statements, and support credit decisions and risk mitigation across orders.

You will handle high-risk accounts, use credit management tools daily, collaborate with collections, and perform reconciliations. A 2+ year background in credit risk, solid Excel skills, and clear communication are expected.

Qualifications

• Bachelor’s degree in Accounting, Business Management, Finance, or related courses.
• At least 2 years of relevant experience in credit risk assessment.
• Experience in reading and analyzing customer financial statements.
• Working knowledge of Microsoft Office applications, especially in Excel.
• Good analytical and problem-solving skills and keen attention to detail.
• Good written and oral English communication skills.

Responsibilities

• Handle a portfolio of customers where you will review and approve the release of orders that are on hold.
• Utilize credit management tools on a daily basis for purposes of credit decisioning.
• Exercise independent judgement to address and respond appropriately to internal customer requests.
• Perform regular reviews and investigations of high credit risk customers to mitigate AR exposure using appropriate strategies.
• Perform month-end reconciliation between Accounts Receivable subledger against General Ledger for Thailand Operating Units.
• Collaborate with the collections group regarding past-due balances that may impact or impede shipment of orders.
• Complete credit reference requests and gather information pertinent to performing a Financial Status Review.
• Understand business, economic, and industry risks, keep abreast of financial news and trends, and practice due diligence.

Skills

Credit risk assessment

Financial statement analysis

Excel

English communication

Education

Bachelor’s degree in Accounting, Business Management, Finance

Tools

Microsoft Excel

Job description

Emerson Philippines in Mandaluyong is seeking a Credit Analyst to join a dynamic finance team and help minimize credit risk. You will assess customer creditworthiness, review financial statements, and support credit decisions and risk mitigation across orders.

You will handle high-risk accounts, use credit management tools daily, collaborate with collections, and perform reconciliations. A 2+ year background in credit risk, solid Excel skills, and clear communication are expected.